<prompt> Human: Hi PF,so I just got denied a secured Credit card from my credit union. I was hoping to rebuild my credit after some stupid stuff i did in college Previous credit card went to BofAs Internal collections; managed to settle it recently but not before my credit got fd up. Anyways, I manage to put away around 2000 every month and I have a 3 month EF. the only problem would be my 525 credit score. I was wondering if there were any other ways to increase my credit besides getting a secured credit card? Things Ive looked Into:Payday Loans - Report on-time payments to credit bureaus but fees suckCD Secured Loan - sort of like a secured credit card except its a loan backed by your CD they say approval is guaranteed but they said that too about secured CCs : is there anything else that I might have missed?Thanks!  <response>: sometimes you just have to shop around, unfortunately, Id try a few more bankscredit unions for secured credit cards before going to those high cost loans 