<prompt> Human: Credit So, Im at a pretty humbled place at the moment which is why Im looking for help. I got into some collection troubles to the tune of 750 about 6 years ago and have worked really hard to pay them off. I had to get a car and bought used, but respectable, and had poor credit and hadnt really ever had lines of credit significant enough to get anything but a garbage rate. I took the hit, paid off more than the minimum every month, stretching myself thin, but making it all work. I refinanced down the road so the rates werent killing me and have continued to pay off way more above the minimum and thankfully should have it paid off this year. I have been making 40kyr for a while now and have been doing good. I havent allowed myself to get a credit card again until I had everything together and wasnt going to get myself into the same position I did as when I was younger. I unknowingly had 200 go to collections on utilities from a previous residence that I was unaware went unpaid until I got the 800-number call that devastated me. I immediately paid it over the phone. That was a few months ago. Fast forward to today: I just got a job starting May 1st that is going to take me traveling around the world, a much higher salary, and fantastic opportunities to save money and be debt free relatively soon current debt 3k. However, I applied for a credit card through my bank to handle some immediate expenses as well as work internationally. They declined me entirely based on a 613 ugggh Experian score and the recent collections issue was too high risk. Im upset at myself and need suggestions to build credit, travel abroad, and cover expenses in the next month. I have no doubt in my mind Ill be able to pay this off monthly, I just need rpersonalfinances help and suggestions.  <response>: You could start with a secured credit card. 