<prompt> Human: Hi rpersonalfinanceIm a student with no credit history, and I would like to start establishing credit. Unfortunately, I do not have anyone to co-sign. I have been denied in the past for retail credit cards and the ones I applied with through my bank.I heard that can negatively effect your score, so I havent applied in a few years. Any recommendations?Thank youEdit: I signed up with Capital One and got approved for a 300 limit! Thanks for the help everyone.  <response>: Some banks offer credit cards that are backed. So if you put 500 down on the card your limit is 500. If you fail to pay they take it out of the 500 and close your card. 