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No assets (like car/house) to speak of. Getting rid of old laptop and few things but expecting only few hundred dollars back.

I've thought about credit cards but assumed I couldn't get them because I have no official income?

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I'm probably going to get downvoted here, but they usually do not verify income (or anything really) for credit card applications in the US.

(As a college student I just used my parents' incomes, using a broad interpretation of "household income")

Nope. This is good advice. Although some have become aware of this in the last year or so and started cracking down in it requiring verification after approval. I learned everything about this from reading the forums at http://www.creditboards.com

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