Try a credit union somewhere or try with a secured card. BofA is the best, IMO, but you need avoid them...check around. Also try a store card. A good mix of credit is important to your score and you would see a modest jump in scores by adding a store cc (target, macys, etc.) and a visa/mc, etc.
For 7 years I didn't have a CC. I started to add cards and saw a jump in scores. Kept going with the new credit and eventually saw a decline. Thus, I recommend 2, maybe 3.
