similar story, but when I was older. I got my first credit card when I was ~24. Coming from a 0 credit score (literally, no records), I had to do a $1,000 limi

similar story, but when I was older. I got my first credit card when I was ~24. Coming from a 0 credit score (literally, no records), I had to do a $1,000 limit card, backed by a $1000 savings account I couldn't touch, with a $50/yr annual fee. Even my own bank, who knew my income and cash on hand (historically), wouldn't approve me for anything aside from this card. Around the same time, I had to get a cosigner on a used car loan, because even putting 50% down in cash, South East Toyota Finance wouldn't do better than 14% interest, lol. It really didn't take long to build a credit score up though. 3 years later and Im well in to the "excellent" range, and had no issues getting a home loan a year ago.