aji

I'm an international student and I want to get a credit card. Right now, I have an checking account at the First Hawaiian Bank. I went to ask some questions about the credit card but she said that I had to be either working or get my parents to sign the paper or something. Still I don't quite understand everything she said. (actually she didn't really explain it to me. she gave me a brochure instead...) Anyway, what is required to be qualification??? I know I have to spend at least 1 year of time in Hawaii to do it. What else? She did mention that I had to be working but I'm an international student. Is it legal for me to work part time outside school campus? (cuz I don't want to work at school) Also, I don't have a state ID but I will soon get it. And, I'm staying in US with F-1(student visa). I'm also full time student at college.
Lastly, what is the difference between master and visa??