There's more to credit than just "having some". Basically, if nobody will give you a credit card, then it's fairly certain you'll not come anywhere even close to qualifying for a home loan. Lenders and credit providers also look at your ability to pay. If over the next 18-24 months you can consistently save at least $1000 a month into a savings account, do so every month without fail no matter what happens, and leave it there, then in 18-24 months that will give you $18K-$24K for a down payment on a house *AND* show an ability to pay a house payment of $1000/mo or less. Then, if your income is high enough so that a house payment will be no more than 1/4 of your take home pay each month, lenders will be more than happy to at least talk with you. So you don't need a credit card really. All you need is to show the "ability to pay" and have a high enough consistent and steady income over 18-24 months.
