Answer: -Like a lot of the others suggested you should try your bank. However, you can also find credit cards for people that are trying to establish credit, the APR may be a little high for awhile but once you have it for a period of time you apply for a different card from the same company. Try to find one that doesn't charge interest on new purchases. Use the secured one as your last option. They don't tend to help your credit nearly as fast as regular credit cards. -I don't necessarily recommend this company, but try TrueCredit.com. They have tips for improving credit that might help. -My son had no credit, so he got a cell phone in his name and went to his bank and applied for a low limit credit card . It didn't take long until his credit was good enough to buy a house. -When I applied for my first credit card I got turned down, even though I had absolutely no black marks on my credit report. It was simply a lack of a long enough credit history.The way I solved this problems was by going to my local bank and applying for their card. They put more faith in one of their own customers. I suspect that your own bank will do the same for you. At the very least they should be willing to issue a debit card against your account.