As a former telemarketer and peddlar of gold mastercards for MBNA, here is what they are interested in. If it's a non-student opening an account, they ask that if you're single, you make about $15,000 per year, about $30,000 if you're married. Students may claim scholarships and loans as income, but must be ready to provide evidence. This is a courtesy and varies from bank to bank, so I'd check with AE
before declaring scholarships or loans. You will be asked about whether you rent, buy, or own your home. If you are living with parents or family and pay no rent, then that is well in your favor.
The total household income can and should include all sources of income coming into the house excluding (IIRC) child support, alimony, and money received from garnished wages. Other sources of THI can include dividends from securities, gambling winning for the year, and a few other things. Again, what will be accepted varies from bank to bank. In addition, as with your own income, you may be able to place it on the application but it may or may not have any bearing on your acceptance when the application goes to the finance department.
Finally, you can get somebody to co-sign for your card. I did this for my first credit card (my Dad was my co-signer) and then re-applied for another account 6 months later once my credit was established. A few bits about getting a co-signer. The co-signer is totally responsible for what you charge...if they can't collect from you they will hound your co-signer. Also, a co-signer's credit can be marred if you don't pay your bills. Take home message, choose a co-signer who you know you won't get in trouble.
Finally, once you get your card, immediately establish credit. Only buy what you can pay for...for example, charge $100 the first month and pay it all off. Do this for a few months in a row and your bank will start to establish some trust.
Hope this helps....sorry I didn't write it above, I was busy yesterday.
You land a million planes safely, then you have one little mid-air and you never hear the end of it - Pushing Tin