You can try to apply for the FIA Amex card after you have over 6 months credit history. BOA also have a 1% cash back card. You can try after use the current card for 1 year.
no, you are fine. just to clarify, it's a phone with AZERTY keyboard. As the name implies, the difference b/w this and QWERTY layout are only 4 keys on the left: qw and az. The rest are pretty much the same. the phone has English interface and can operate on att's 3g pm me if you'd like to buy one.