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*   About me

I arrived in the United States as a graduate student on August 2011. To build my credit, I applied for a secure credit card with a $300 limit. Over the past two years, I have used my card very carefully and have never missed a payment.

As a full time graduate student in electrical engineering, I could not work and have any income source within the US. Because of this, my requests for 
a. Increasing the credit limit on my sole credit card was declined 
b. New credit cards with the same credit limit was declined

I knew this was going to be a problem because a single credit card with $300 limit for 2 years was not going to be much help but there was not much I could do.

My education was funded by my father, and I have $0 education loan that i need to pay off.

I graduated last month, and next monday, I start a job that is going to be paying 85,000-90,000 a year (before taxes). 

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*   The Issue

I want to buy my first car. A Ford dealer was prepared to finance $10,000 stating my credit was really young. A Chrystler dealer refused to finance me completely. A Honda dealer is prepared to finance me with a downpayment of  $1,500 and a 4.9% apr (as part of a Fresh College Graduate Program). A bank (Wells Fargo) declined to pre-approve me for any credit for my Auto Loan.

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*  The Question

Should I take the offer by Honda, or can I do anything with any Bank or Credit Union to get a better deal? Or is there something radically different that you would suggest (Like not buying a car atall for now) that will help me
 a. Get a car at a decent affordable rate pretty soon
 b. Help build my credit score
user
I want to buy a car soon, but I am unable to get a
assistant
----------------------------------------------------------------------------------------
*   About me

I arrived in the United States as a graduate student on August 2011. To build my credit, I applied for a secure credit card with a $300 limit. Over the past two years, I have used my card very carefully and have never missed a payment.

As a full time graduate student in electrical engineering, I could not work and have any income source within the US. Because of this, my requests for 
a. Increasing the credit limit on my sole credit card was declined 
b. New credit cards with the same credit limit was declined

I knew this was going to be a problem because a single credit card with $300 limit for 2 years was not going to be much help but there was not much I could do.

My education was funded by my father, and I have $0 education loan that i need to pay off.

I graduated last month, and next monday, I start a job that is going to be paying 85,000-90,000 a year (before taxes). 

 ------------------------------------------------------------------------------------------

*   The Issue

I want to buy my first car. A Ford dealer was prepared to finance $10,000 stating my credit was really young. A Chrystler dealer refused to finance me completely. A Honda dealer is prepared to finance me with a downpayment of  $1,500 and a 4.9% apr (as part of a Fresh College Graduate Program). A bank (Wells Fargo) declined to pre-approve me for any credit for my Auto Loan.

--------------------------------------------------------------------------

*  The Question

Should I take the offer by Honda, or can I do anything with any Bank or Credit Union to get a better deal? Or is there something radically different that you would suggest (Like not buying a car atall for now) that will help me
 a. Get a car at a decent affordable rate pretty soon
 b. Help build my credit score
user
I am a young college graduate, and no credit. I have a good job
assistant