id get a secured card ASAP also you could make her a AU on the amex.
AMEX PRG (NPSL) Lowes (10k) CSP (7.2k) AMEX BCE (6k) Cap1 QS (3.5k) Citi DC (2.6K) BofA (2.5K)M&T Bank visa (2k) Discover iT (1800) Slate (1k) Age: 22 Scores ~710 across the board Future Cards Sallie Mae, US Bank Cash+, Freedom Goal increase CLs by 20k in 2015