I am 20 years old and I have been trying to get a credit card with no luck. I even tried those citi cards that are advertised to college students and I was still turned down. I don't know what to do. I have no loans, I don't owe anyone money and I never have, my bank account never gets overdrawn, I have had a steady job for over a year where I get paid a good amount, and I still have no luck. I have heard that the more you apply and are turned down, the lower your credit score goes without you even having credit. What can I do?

yeah that is true. for everytime that your credit history is checked your credit score will go down. try capital one thats where i got my first card. or try Bank of america. they do it too. first of all, apply to your own banks credit card. the chances of you getting one from them is higher than the other guys. and dont apply for a new card every month. wait for like 6 months or more to do so. so u r FICO score wont keep going down.
Good Luck