No one will give me a credit card. I went to my bank yesterday and applied for a student loan. I got denied because they said I have to make 12,000 a year to qualify. Then I got denied for a credit card through my bank because my average daily balance is 75.00, I only have a savings account, and I have no credit. So my banker told me to go apply for a target or a wal-mart card. then they denied me. So how am I supposed to build my credit when I cant get a credit card?