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Usually just proof of a steady, full-time income for more than one year, having a savings and checking account (both is good the amount in them doesn't matter). I received my first credit card on my 18th birthday after working a retail job for just one year. You can also become credit worthy by working part-time, saving money in a bank account and borrowing your own money from the same bank. Save about $1500 in a savings account in a small bank. Then tell the bank loan officer you want a "collaterol loan" for $1000. They will lock your $1500 dollars up until you finish paying the loan (say in one year) but then you will have the PROOF of a PAID LOAN from a bank that will show credit worthiness on your credit report for credit card references.

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Q: What do you need to be credit worthy for credit card references?
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