A little background, I've never had a credit card and I'm seriously due for a credit check as I've never had one.
I've applied to numerous credit cards and I've been declined every time. I hold a full-time job that pays well, have a college degree, and even work for a financial instituation but I've still be declined (yes, even from my own employer).
The only advice I've gotten to start my credit rating is to obtain a 'secured credit card' where I essentially make a $500 deposit, hold the account within good standing for 6-12months, and then finally earn the privlege to get a normal credit card.
My question: Does anyone have either a better route to go, or a suggestion as to what cards I could apply for?