I should have decent credit for a 20 year old. Pay my cell phone bill on time, pay car insurance, blah blah.
Chase said the reason it was denied because not enough revolving accounts and whatnot.
I'll go with the secured card if I have to but to me, that's no better than having a debit card, or worse since my money is less accessible to me. Of course I'll do it if that's the only way I can build credit.
