@SoftballGirl - Do not wait on your car to start reporting. Use the Capital One Preapproval to see if they will approve you for a card. You will not take a hit until you actually apply. Make sure it gives you an offer and does not say, "No offer but we suggest". I will rank in order the cards you should try. Be warned that you may have to "pay" for credit but they have a high approval rate. Do not try for others unless you get an offer in the mail.
1. Capital One (Preapproval)
2. Credit One (Processing Fee)
3. First Premier Credit (Processing Fee)
Starting Score: TU 477 EQ 533 BK 1/27/2012