Would you be willing to ask a parent to add you as an authorized user on their credit card? You don't even need the physical card, just to be added to the account.

Assuming they have good credit, this will help your score immensely/immediately. You can then apply for a new CC that offers introductory 0 APR, usually for 18-24 months.

As it stands with 650 score and no income, I think you will struggle to qualify for better financing. Make sure you at least pay the minimum each month.