I remember you posting earlier about your CSP application. All the advice you've been given so far is spot on, definitely take this time to build your credit with no-fee credit cards like Chase Freedom before you start trying to take on some of the more "premium" cards. You're going to have a lot of time to pursue this hobby and there's no need to rush right when you're getting started! It sounds like you're already on the right track with your BoA and credit union credit cards, just sustain through the remainder of your school year. It'll be a lot easier once you start working with an income, best of luck in the future!