Tell them you have never paid anything late and would accept a low limit and high interest rate because you want to build your credit.
Hey Steve, thanks. That's what I tried with Kara TotalBitchOfACreditAnalyst this morning. She said due to my "lack of revolving credit history" and the fact that only my credit history she is only seeing my student loans, she couldn't approve me. I asked if she could give me a lower limit because I had never missed a payment and wanted to build credit and she said unfortunately its a simple yes or no with no negotiating. That's gotta be a lie, right?
Should I call again this afternoon and try to speak with someone who has a soul? I didn't want to call right back because I don't know if they keep records of who calls.