<prompt> Human: Hi! Im looking to open my first credit card.I currently have a lot of student loans under my social security and its hurting my chances of getting approved for a credit card. Its been stated that my debt-to-income ratio is too high. I pay my loans on time so my credit score is pretty good. How can I open a credit card under this and which credit cards should I opt for? Thank you!Update: Applied for the Capital One Quicksilver card and was approved! Thank you to everyone that commented!!  <response>: If youve been denied by credit cards, you need to take what you can get.I got my first credit card through Wells Fargo, after being a customer for a couple of months. It wasnt a great interest rate, shitty cashbackpoints accrual, and a pretty low credit limit, but it was a start. Banks usually have a beginner card that doesnt have a ton of restrictions on who can carry it, so thats what Id try first.Ive had it for 5 years now and while I use it and pay it off every month, I havent actually had to request a limit raise. They just do it randomly. I think its up to like 6000 now, not that I even use 16 of that. 