New Laws - Credit Card with No Credit

[scientifics]

My girlfriend (who is over 21) has been trying to get a credit card. She has no credit at all (and nothing negative either) and was declined from a Citi Student Visa as well as a Visa through her bank (which she has a 5 year history). She has a good amount of income. I'm imagining it's these new laws that are making it so hard (I had no problem getting a Citi Student Visa with no credit or income). What is the next thing to try? I know she doesn't want to keep applying and getting denied because that looks bad on your report.

[fricnfrac1]

A few years ago when the CU I had 2 accounts with denied me a Secured CC, I went to Bank of America.  I didnt have any problem getting approved, I made all my payments on time, and in nine months went unsecured. I had extremely poor credit. So, in my experience, BOFA as been an asset to me.

I hear Orchard Bank is an ok rebuilder card. Im new to all of this, so more experienced people may chime in with better advice. Good luck!

[Wolf3]

She probably has to start with a secured card (IMO preferably 2), and then it she treats it well, she should have good credit.

It is best to put down as large a deposit as one can afford so you have a decent limt for use without getting close to the limit.  

Do a litle research before you do you next applicaion.  I like 

1.  CITI has a nice secured where the money goes into 18 month CD,  AF $29.   Deposit is fixed for 18 months.

2.  Capital One has new secured card for young adults where you can get unsecured CLI with good use,  AF $24   Can easily add to deposit along the way.

Others with good securd cards include

Wells Fargo

US Bank

BofA

HSBC/Orchard

Also check out your local credit unions, they often are very good with new people starting out. 

[Anonymous]

If you can join NFCU I would get their secured card. It reports as an unsecured if I remember everything right

[Anonymous]

Also you can ask somebody to add you as an AU to his cards with good history and get  like a store card, local CU card, overdraft protection at your local bank. Hope this helps