<prompt> Human: So Im finding myself in a strange situation...My wife and I have a net worth north of 1.5M, with about 300K in non-real estate, non-retirement liquid assets stocks, bonds, cash. We bought our home 11 years ago, which we financed but paid off in 4 years, so we havent had a mortgage for more than 7 years. We stopped using credit cards 10 or 15 years ago and use cash or debit card for all purchases. We bought our cars with cash. Our annual before-tax income is about 200k. Were comfortable and dont have any money problems at all.Except now we cant get credit! This came up recently when we bought a new furnace for our house and, out of curiosity, tried to take the dealer up on their 2 year 0 financing offer. We completed the online application but were turned down for insufficient number of transactions. Kind of suspecting what was up, I then applied for a credit card from Fidelity, where we keep about 250K in our stock account, figuring that they would at least take into consideration our assets with them. Sadly, no. That application got turned down as well for lack of credit history.What can I do? Is there any bank out there that will issue a credit card with non-insane conditions to someone like me? I cant imagine a safer credit risk.  <response>: Youre starting over credit wise: so go get a 500 secured card. 