I have student loans on my credit report and an auto loan on my credit. But I keep getting denied for a store credit card or a gas credit card. I have never owned any Visa or Mastercard type credit cards. I have never actually owned ANY credit card. Mervyn's denied me because "LACK OF CREDIT". Dillard's denied me because of "LACK OF REVOLVING ACCOUNT INFORMATION" and "DELINQUENCY ADVERSE PUBLIC RECORD OR COLLECTION". Yes, I know my credit isn't perfect and I made a few mistakes a few years ago. But for 5 years I have not had any new problems put on my credit report. So why can't I get a store credit card????

you are being told you have no credit. you are not being told you have bad credit. denile because of no credit means they want proof that you can be trusted. in order to gain credit you have to get a regular credit card-you don't have to use it just having one shows that you can be trusted. same thing when you go for a loan. get a card use it once pay it then cut the card and you will have all the credit you need.