I don't know but when I got my first credit card (and I still have it) it was because I was a student and so I got a "student account" through Citi Cards.

I'm not a student anymore but I still have it. They've upped my limit on it several times as well.

Have you ever thought of someone cosigning with you for a car? That was my only credit card when I got my car and while I had good credit with it, it wasn't enough so my dad cosigned with me. That lowered my payments on it. I made all the payments myself but him signing with me totally made a difference.