Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Why does it seem impossible to get a credit card? - I'm 20, I have absolutely 0 debt, and have a great steady full time job and a good chunk of change saved up. When I was in high school I heard of one of my classmates getting a credit card with a $150 limit. My mom just filed for bankruptcy and she's still getting credit card offers left and right. I don't understand how there are so many people out there who are so irresponsible with their credit and then there's smart money managing people like me that can't can't even catch a break and can't get my foot in the door. Not fair... -