Insufficient experiance

Without a credit history, it’s really hard to get a credit card or any other type of loan. But establishing your initial credit history can be a Catch-22: If you don’t have credit, not many places are willing to give you credit; but how can you establish credit if nobody will  give you any?
First, you need to understand what lenders are looking for.  Since you are looking to establish credit for the first time, lenders can’t look to your credit score to determine if you are a good risk and if they should lend you money, or extend credit. In these situations they have to examine other factors that can help them decide if you are a credit risk or not.
You can learn more readign this post on establsihing credit history, and our credit guide here is the post link  http://ratenerd.com/how-to-establish-credit-history-1829

Opening new lines of credit will help, but not immediately.  They will take time.  Your bank should report a secure line of credit to the credit bureaus, but call them first and make sure.  Don't want to get another inquiry and then not have them report.

A secure credit line through your bank is a good idea, I wouldn't recommend any merchandise or store credit accounts, they usually have higher interest and again might not report to the credit bureaus.

Credit Restoration could be another possibility to help with any erroneous or inaccurate information.  Credit Restoration can help raise your credit score if done right.

Hope you get the credit you are looking for.

The fastest and most effective way to raise your score is the 2 following things;

Reduce Debt.  maxed out credit cards will hurt you.  Pay down cards to 35% or less.

Remove Negative Items .  This means getting rid of 'bad marks' on your credit report by disputing them with the credit bureau.  You can do this yourself or use a credit restoration service.

A secure loan (mortgage/car loan) is actually the best type of loan for building your credit history.  These types of loans are almost always reported to at least one credit bureau (Lexington Law Firm has a free consultation number: 800-223-7615)

I would advise you to stay clear of a sub-prime merchandise account.  These are typically high interest/high fees and have tricky terms.

Good Luck

Helping yourself - that's a first-class idea