<prompt> Human: Background context:I just got married, moved out with my wife. Were both 24 and at the moment and have no jobs. Im in my 2nd summer semester and a last fall semester before I get my BS. She just graduated but her EAD card got delayed for 3 months due to clerical issues so now her green-card might actually get to her before her EAD does.Anyways, so at the second were both jobless. We opened a joint bank account at Teachers FCU, I closed a CapitalOne savings account and she closed her Chase student checkingsavings because it was about to have fees and we merged our money at the joint bank account. All in all its about 9000 with rent for the next 3 months paid so we have a decent run-way and shell have a job soon based on USCIS. Onto the credit card situation:Me and my wife have no current credit cards and didnt have any ever. I feel like maybe a credit card from our bank, and then either Costcos or Amazon or eventually both would do us good for their specific rewards. When opening our TFCU bank account they told us he wouldnt even try to approve us for a credit card because hes doing us a favor, with no repay-ability well be declined and have a credit inquire pulled for no reason. He also said other companies would decline us also. First things first, hes correct in saying this right? Regardless of our decent cash in the bank?In a strange turn of events, after I closed my CapitalOne account two days later I got mail with a CreditOne pre-approved credit card. Wed like to start establishing credit as soon as we can but the no income situation seems to be a problem. I totally understand, it makes sense but we have money and were spending it regardless so itd be nice to be making credit The CreditOne credit card is a Platinum Visa, info here from what I can tell with 24.65 APR written on the mail and it says Im pre-approved for up to 1,500. says on the back in fine print that the offer is based on my credit report, but also this offer is not guaranteed if you do not meet our criteria. the fuck is that? sounds illegal Anyways, what do you guys think on the situation? Head start with the CreditOne credit card Im pre-approved with and can they actually decline their seeming firm offer? Will other credit card attempts be futile at the moment? Thank you for any information.Edit: As pointed out, the CapitalOne has a pretty bad membership fee. Could I get a secured credit card?  <response>: Do not ever us Credit OneThey are a predatory creditor and will eat you alive in fees and interest. 