I used to work in a bank and this is a common problem.
What you need is a secured credit card, your bank can do it for you or you can research one online. What happens, for example, is you give the bank/credit company $300 - $1000 as collateral. The bank puts the money in a time deposit account aka CD to earn interest. then depending on how much you gave them lets say $500, they give you a $500 credit card. For a year you show them and prove that you can pay on time and then they give you a regular unsecured credit card and return your money. Just see if you can get a card with rewards. I highly recommend you pay off the balance every month to show them you are trust worthy.
Also you mentioned you go to school you may be able to get a school credit card, try this first then move to secured.
Originally Posted by Jokerman
Ok so I really want to get my credit going because I plan to open a little business down the line. However I am having some issues getting a credit card. I tried to get family members to co-sign for me but they have bad credit so they are no use. I work during the day and take online classes at night. Obviously since I don't have any credit I can't get one on my own. How is one supposed to get credit if you can't get a credit card? I heard that paying rent counts as credit. Is that true? For reference I am 20 years. I don't mean to sound like a dunce or make beat a dead horse but this has been puzzling me for a while.