Here in my country Philippines, getting a card is already a headache, what more if it's a credit card? Lots of interrogation to be asked, documents to be filled and submitted. Even if you are already working, you still need to prove that you are working such as submitting your taxes, sss, employment and salary certificate, and other stuff. On the other hand, there are certain people who doesn't need credit card but it's the bank who are initiating them to apply for it. Getting a credit card is also not a good idea coz you'll be enticed to spend and spend more rather than to earn and save.