<prompt> Human: So my wife just got her SSN in January and we opened her bank account yesterday. We also applied for a secure credit card but since she is a homemaker, she does not have any income or utility bills to her name. Therefore, Wells Fargo declined her credit card application. In the meantime, before she applied for another credit card, what are some ways she can build credit? I have a credit card and she just has a supplemental card against that credit card.  <response>: She needs income, not just a credit score. 