If your application was rejected the first time, then you can look at the letter of rejection sent by the lender and find out exactly why.
Other than getting your own card, you could get yourself listed as an authorized user on a family member/close friend's credit card (if they have excellent credit). This way, you'll receive their positive information onto your report.
Remember to check out this guide on rebuilding credit for some tips. Good luck!
Hi! Thank you for writing. How frustrating for you…getting a secured credit card is one of the best ways to build credit, and it was a good idea on your part to think to apply for one. I wonder if you might not try and apply again for at a different credit card company for a secured credit card. Also, is there any possibility that someone in your life – parent, spouse, aunt/uncle, sibling, significant other – might let you be an authorized user on one of their cards? That could help improve your credit, allow you to eventually get a secured card, and then help you move back into being able to get all types of credit.
Time - during which you pay all your bills in full on time and keep your credit utilization lwo – is the best healer of poor credit. Hopefully you will be able to build yours back soon. Best wishes to you.
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