<prompt> Human: Background: 21 year old college student in the US, schooling full time and not working. When I was 14-15 my parents got me a gym membership. Although they were paying for it with their credit card, the membership financial stuff, for some reason, was under my name. Eventually, they cancelled that card, I stopped going to that gym, and we all moved on. Over a year later, I got a letter stating that I owed them hundreds of dollars. I worked with my parents to pay a much lowered amount. But it still shows up on my credit report. This all came as a surprise to me when I was turned down for a student credit card from discover. The reasons listed included use of revolving debt. Additionally, my credit score was -1. What do these things mean? Also, I no longer have an income or savings. How can I improve my credit score from here? My dad suggested a secured card, but I dont really have any cash to invest in that. Is everything on hold until I have a job again?  <response>: If you dont have a job, your hopes to improve your credit will have to wait. Without income, do not get a credit card. It will end badly. 