Answer: -You should have signed up then. Credit people have this strange flexibility towards college students. They want to get you early and get you in deep so you'll be working the next 5 years to pay them off. Instead you got a house, which you probably would not have been able to if you had all these credit cards.Just realax a few months. Wait till your mortgage shows up in your credit file then apply for a credit card. Dont apply for the platinum, titanium or whatever just a basic card.If that doesn't work, goto a bank and open an account with $1000 and ask for a secure credit card secured by your savings account.At least this way you'll build credit. I think however after you rmortage shows up in the credit files you should get a card with relative ease. -You can still be assaulted by credit card companys now. They'll just turn you down once you apply. Pay all your bills on time or ahead of time for six months then apply for a store credit card like target or old navy and pay those on time or ahead of time full balance for 2 months then you should be golden. -Check your credit report you may be over extended to the major credit card companies. I would get some department store cards, they are easier to get. Then if you are still denied call the credit card company and ask them why. Especially since you own a car and have equity in a home. Oh and a job...that always helps.