You could consult with your loan officer in regard to weather you should open a secured cc or not depending on what they are looking for.As far the Fico score you are missing credit score points by not having an open active cc account plus you will have a great variety of crdit accounts as long as a student loan remains open.Credit cards are essentual to building a history of of monthly time payments, because one day the student loans will be closed remain current on all credit accounts monthly.When you open a new credit account it lower your aaoa and a new inquiry which both lowers your credit score some.As long as you every credit account as agreed,keep cc balance way below 10% and only open credit accounts as needed your will improve as time marches on.I hope this helps.
"Young and dumb" might as well be the tagline of a lot of our stories, so I feel you there. We're hardly told anything about how the credit system actual works when we are in school...then become debt slaves from that lack of understanding...then sold the Financial Peace message that "ALL CREDIT IS BAD!" therefore when we "fix" our reports, we have no credit utilization or credit age...so when we finally get to an application we are either denied or approved with the worst terms imaginable.
You're going to have to take score losses in the short term to make gains in the long(er) term. That means biting the bullet on some hard credit pulls and some not-so-favorable credit cards. I'd start with Capital One with their Prequalify site and see if you can at the least get their unsecured Platinum card...maybe the Quicksilver One if you're lucky. If that succeeds, my next stop would be Merrick Bank or anywhere that will do a Prequal with a soft pull. Unfortunately, there are no quick answers.