Well by golly I just got refused even a SECURED credit card (in which I deposit a certain amount as security/collateral and am unable to use the card for more than that amount), because I do not have 3 months worth of bank statements. So I will not be able to acquire even a beginner's credit card until August at the earliest. The "system" has become so complicated and all-encompassing that an outsider like me is almost barred from entry, which is very strange.