<prompt> Human: Can someone please explain this to me? My girlfriend who has no credit history and applied for a secured card1000 from Bank of America, and got denied. She has about 6 grand in her account, and is in Vet school getting her DVM. There is no risk because the deposit on the card is the same as the credit limit, so they cant possibly lose money, and these cards are designed for people in her situation. She and her motherliteral millionaire are intending on switching banks because of this, losing tons of potential income, and two clients. Does anyone have any ideas how she can build her credit if she cant even get a secured card?TL;DR: My gifriend got denied for a secured carddeposit credit limit  <response>: She and her motherliteral millionaire are intending on switching banks because of thisThey wont care at all. It might make them feel good, but it wont matter.That being said, do switch banks, BofA probably just decided they currently dont want more secured customers.Try a local credit union, apply for a 500 secured card, should be okay. 