Build your credit history through paying all your bills on time. You'll need about 6-9 months to establish credit history. If you're in college, you can apply for college credit cards. They usually have interest rates through the roof, but if you're planning to pay off entire balance, it doesn't matter. You can also call up a credit card company and apply over the phone or online. Just remember that they keep track of who applies to which credit card and how often. If you apply too often, they will get suspicious.