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Credit Laws?

What is the name of your state? Florida/ Hi I just recently turned 18 on 07/28/84 and I am starting college later this month and I received a Invitation for a student credit card. So I applyed for it and it got rejected for the following reasons 1.SERIOUS DELINQUENCY AND PUBLIC RECORD, OR COLLECTION FILLED2.DEROGATORY CREDIT INFORMATION3.TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED4.CURRENT DELIQUENT BALANCES OWED. I have 2 Questions 1. Don't you have to be of 18 years of age to have credit? 2. What does all of that mean?
Thank you.

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