OK, your folks in a credit union? Got an account there? If not, get one and see if they have a credit card you might qualify for, maybe offering proprietary points. Build up a little credit history buying proprietary grocery cards (invisible cash equivalents) and don't really go into debt. Pay off the balance each month. Check credit karma or the like to see your score. If you only get a low credit line it will be hard to coin. The big spenders here have 100s of times that since you try to limit the percentage of your credit line you use. Also coinflow is unpredictable and the big spenders are adequately capitalized for contingencies.

Have a job, other income? That might raise your credit line up. Coin $500 a pop if you have at least 2k unused credit on a card. For a student, you might next look at an Amtrak card if you are on the east coast and use trains. Low credit line, no fees, sign on bonuses. Ramp up credit steadily, but never use any credit card for anything but making money. Same goes for taking out student loans. In my day I continued to work after taking out loans and invested my money in 15% yield preferred stocks. Today that game doesn't work. The RoR on a college degree these days may be negative and bank interest is the pits. But there will always be opportunities for those who see how the world works and not how it was supposed to work. Wait, watch and learn. As to the quantity of what gets purchased, lets say many folks here feel like a million bucks.