I have never had a credit card before, but I need to get one for emergencies. I have had checking accounts for about 8 years, and I don't have bad credit either. I checked my credit report yesterday, and it was clean. Actually, there was nothing in it, which was kinda suprising, because about 1,000 dollars of my college tuition was sent to a debt collection agancy a year ago, and it took me over 6 months to pay it. I also had a cell phone with Sprint for over a year, and I always paid the bill on time. Anyways, I applied for a Student Visa Gold at bankofamerica.com yesterday. I was denied, and I have no idea why. I know a girl that was accepted for the same card a year ago, and at the time, she didn't have a job, and she was living with her parents. I actually do have a job, even though I only make about $2,500 a year. So what I need to know is, are there any credit cards that offer fast approval, that I might qualify for? I'm a full time student, working 20 hours a week, and living with relatives. I don't need much. I just want a semi-low interest rate. I don't need a large credit limit, since this is just for emergecies. $500 would be perfectly adequate. If anyone knows any offers that I might qualify for, please post a link to the application form.