Thank you for your recent request for credit privileges with us. After careful consideration of your application, we have determined that we are unable to grant your request for credit at this time. The reasons for our decision are as follows: LACK OF AVAILABLE CREDIT INFORMATION I already know that there is not anything in my credit file and I'm not even sure I have a "header" but I have a working US social security number. Does anyone know where I can apply for a card with a chance of getting one. I have an American friend who is going to get me a card with my name on it but I feel bad since she will have sole responsibility for its repayment and I don't think it will even be reported on my credit file.