So Amex or Capitol One...I've heard Amex is a **bleep** to new guys. Maybe Capitol One Journey
I don't have an auto loan...? I don't have any loans of any type
Starting Score: EQ 602 (4/27/13) EX 647 TU 669 (1/12/14) Current Score: EQ 725 (5/2/14) EX 705 TU 716 (5/2/14)Goal Score: 720-750 all 'round
Think he got confused with a different poster on a different thread who is in a similar situation but with an auto loan 
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Maybe I did too come to think of it, too late, going to bed. Any secured card you should be able to qualify for, and the BOFA 10 day thing on a secured card is typical: secured cards take longer to obtain than unsecured. The one I would've tried would've been the Orchard card as they used to have a system where they'd approve you for what they could: good unsecured, if not that, medium unsecured, down to low unsecured (go me!), and finally secured if you weren't qualifed for anything else. Not certain if that's still available post Cap One acquistion but it was a very nice feature.
Unsecured, YMMV but I'd specifically look to student cards especially if you have a co-signer available.
Wait a minute. Scratch this whole thread, as of 5 minutes ago I now hold a credit card account with BofA by a BankAmericard Cash card...LOL whuuutt..
Someone call the pointer sisters. I'm so excited! I just danced a little bit.
ummmmmm...yeah. So we'll see how this goes. Time to be a grown up with plastic in wallet. (soon as the plastic comes in the mail that is.)
Outstanding!!!! Congrats! Do you know your CL yet?
Starting Score: 642Thanks! It states $700 on my online account
Sweet! That's a great starting CL! You should be proud. Not many start out like that with no credit and a non-student card. 
Take good care of it!
I will do my best, sir. Thanks =]
LOL... No need to call me sir but I appreciate the honor. We are all here working toward the same goal > build our credit. I look forward to seeing your progress and wish you the very best in your credit journey!
@Anonymous wrote:Don't think the OP said he applied for student card.
Student cards require you to be a student and have documented income given the Card Act.
Assuming you have income, your best bet if you aren't a student is to go for secured card or the capital one newcomer card.
I'm not suggesting taking another inquiry, but if you do, this is the card that opened the doorway for me. You might get a ridiculously low limit such as mine ($300) which makes your utiliaization easy to max out, but it also makes it easy to pay off. If they don't let you in, call them and find out why and see if you can talk your way in as a second chance (and in a sense a "free" fourth app attempt). I'd recommend a secured card to build some history if that route doesn't work out.
I should reload the thread before responding to something I had open since last night!! Congrats on the card, and now that you have that, stay the heck away from the CapiOne for Newcomers card! It'll just sit there annoying you with it's low limit.