<prompt> Human: I recently applied for a Chase Freedom credit card with the sole intention of helping to build my credit. I was denied and it sounds like it was because of a loan that I currently have taken out. The loan is for a 6,000 motorcycle. I stand by this decision because at the rate Im paying, and have been for a year, it will be paid off in a couple of years. I figured it was best to get the bike that I know for a fact I will want for years to come while I am still living with my parents and at the same time build a little credit. My parents have good credit and cosigned on this loan. What my main question is is whether or not its worth it to try to find another card in order to build my credit even more or to just keep going like I am. My score is currently 616 and if Im not mistaken this will continue to rise the more that I pay down this loan. Thanks in advance for your advice.  <response>: Get a secured card. 