Yes, I could ask my bank, as well as Googling.

As for buying things on credit, a couple of years ago, I had to go to a dentist, and they tried to sign me up for CareCredit, but I wasn't accepted. They suggested we try signing up under his name with me as a joint signer. That time, we were accepted. I didn't really want to start a credit line back then; they just talked us into it so fast, all on that same day, and in just minutes. But that's how I started on credit. Last year, I signed up to Dell to buy a computer, and got accepted. This is why I think I could get a credit card, and as I said, build more credit.