<prompt> Human: Hey guys, so Im 23 years old and graduated with a B.A. last spring. Im going to law school in a different town this fall and a big hurdle is finding an apartment with no credit. I can have my parent cosign so Ill probably be fine but it woke me up to the simple fact that Im 23 and have no credit. See, I was raised with this belief that I now realize is wrong and actually detrimental to my future that credit is bad and you should avoid debt at all costs. So I did research for a few hours and decided to get myself a credit card to build up credit so I dont find myself in this situation again when I want to buy a car or a house. I went for the unsecured Journey Student CC from Capital One. A bunch of reviewers were happy that it was their first cards and stuff. I know that secure CCs are easier to get but I figured a student one couldnt be TOO hard so I took the risk... And failed. It took less than 30 seconds after submitting the online application to be denied. So now my credit score as far as I know is still nonexistent, yet it has a hard inquiry on it. I also know that in April when I move theyre either going to do a hard or soft inquiry on it Ill figure that out tomorrow.Okay so thats my background. Now my question is what to do now. Should I apply for a secured loan right away or would it be better to give it some time? Im probably going to want to get a house in 3 years when I finish school so I want to start building credit soon. But is it smart to apply for a secured one so soon after being denied for an unsecured one even though I dont yet actually have a score?Thank you guys and gals so much for any information you may be able to provide!TL;DR I have no credit and applied for an unsecured loan which I was denied for. I want to know if I should apply for a secured one soon to start building credit or wait.  <response>: Ive had huge success myself with building my credit via a secured card and eventually buying a car. 