<prompt> Human: I just graduated from college and after applying for a basic Chase credit card I was denied for lack of credit. I do not have any debt or delinquencies, and im starting work in September and will be making 50kyr, but do not know how to begin building my credit history if I cannot get approved for a card. I want it just to pay my monthly bills and maybe a few other expenses but am fully prepared to pay it off each month. Any suggestions on a card to apply for or anything else I should try?Assistant: Visit a local credit union, and ask for a no fee, secured credit card. You basically deposit 1000, and then they give you a CC with 1000 credit line.Manage that properly, pay it off monthly, then in 6 months, apply for a Chase freedom. Note, you do not have to pay any interest to build credit, but you do actually have to use the card.Human: Thank you. If I wait until i get my first pay stub however, would I still need to do a secured CC, or would they then be able to give me a normal one. Id rather just not put up the collateral which is more money than I have at this point and instead just start contributing to my Roth IRA  <response>: i was denied by chase 2x despite having accounts with them for 15 years and having a CC linked to my moms account in highschool. Id made 100k since graduating when i was denied the second time. i fought it hard but ended up conceding and getting a secured card from a CU. six months later i got CSP from chase w a 15k limit. its just the way it is - you gotta play the game. 