I need a credit card for school but keep getting denied

and I wish more people would be less dependent on these cards. But for
some reason people think this is the gateway to adult hood in some
cases.

What this young man also does not realize is the more he tries to
apply and the more he gets denied the more negative reports go on to
his credit report...which is not in existence since he has applied for
cards.

Ricki S.,

Excellent question.

So as not to reinvent the wheel and take up alot of space I have
pasted a link below that you might copy, paste and read:

http://credit.about.com/od/credit101/tp/firstcreditcard.htm

Stop back and let us know how things go and if this information and
what will be offered by others is of any use.

BillR.