I am 20 years old and I have been trying to get a credit card with no luck. I even tried those citi cards that are advertised to college students and I was still turned down. I don't know what to do. I have no loans, I don't owe anyone money and I never have, my bank account never gets overdrawn, I have had a steady job for over a year where I get paid a good amount, and I still have no luck. I have heard that the more you apply and are turned down, the lower your credit score goes without you even having credit. What can I do?
Well, as you will find in life, credit is everything. It's important not to abuse it as most people do, but going without credit can be a very bad thing when you go to buy a house, or a car for example.
I was in the same situation a few years ago, and I ended up having to get a secured card. I went through orchard bank ( www.orchardbank.com )
Now I own a home, have several credit cards (of which I use very wisely, and only to improve my credit score) and a personal loan. Check out OrchardBank – they are a HSBC credit card company, so you know it's a reputable brand 
Good Luck!!