<prompt> Human: So I need a joint account holder for discover to consider letting me have a card. They declined me due to insufficient history. Ive never made a purchase on a credit card. I got a capital one student card the other day, but havent used it. That one gives 1 percent back, 1.5 if paid in full or something. Not very lucrative returns. Id like to start off with 5 percent t back, since thats up to 300 annually 6k limit, usually Any idea if these cards can be secured? Ive zero problem putting in several times my limit to an account with my credit card company. Failing that, is it wise to offer to do the same, but with family, to get the joint holder? My mother is out, my father thinks he would be declined since he has too many accounts already open in his name. he has an llc Im considering going to my affluent uncle and offering to make a sizeable deposit Id probably use my emergency fund for it, since Id never have to worry about him using my money, he is loaded Id also offer him 25 percent of my Cashback or something along those lines. Id like to start off big, instead of building up from the 1 percent return. I could also offer this deal to others in my family but I dont trust them as much. Is there a way to make up a contract saying this money in this account is use able by the other party only if I default on my credit card never going to happen to pay off my debts? I dont want to wake up one day to find out they took me for a ride for a grand or two. Any other advice or ideas? Im about to move out of my parents house. Im ready to take adulting and finance very seriously. Im excited. I know that Cashback is a pittance, a drop in the bucket, but its one extra drop. One step closer to retiring. To independence. Etc. Thanks PF!Assistant: Accepted for discovers 5 percent back cardActually, rejected. I got a capital one student card the other day, but havent used it.Using it will be what it takes to start to be able to get credit yourself.Using it works like: - Put normal spending on the card that you would have spent anyway and have money for. - Pay off the card in full well before payment is due. That one gives 1 percent back, 1.5 if paid in full or something. Not very lucrative returns. Id like to start off with 5 percent t back, since thats up to 300 annually 6k limit, usuallyYour obsession with rewards at the moment is a little disconcerting. You sound like one of those people who might end up spending more money because of rewards programs, which is obviously not sensible but is all to common.I recommend focusing for now on responsible use of the card. Many people go wrong with credit cards, and you seem not at all concerned about carefulness at the moment. You are going through several big changes that would result in big changes to your spending patterns, and its important that you dont make a big mistake chasing a little money.After a year and a half of responsible use, the doors will start to open to a wide array of rewards options. Come back and ask then. Any idea if these cards can be secured?No.Discover re-uses its It brand for a secured card, but it has a different reward program. Failing that, is it wise to offer to do the same, but with family, to get the joint holder? My mother is out, my father thinks he would be declined since he has too many accounts already open in his name. he has an llc Im considering going to my affluent uncle and offering to make a sizeable deposit Id probably use my emergency fund for it, since Id never have to worry about him using my money, he is loaded Id also offer him 25 percent of my Cashback or something along those lines. Id like to start off big, instead of building up from the 1 percent return.This sounds like a total mess and a foolish thing not worth 300yr.Human: Im not going to throw my savings into it. But its one more thing to save a dollar on for purchases Id be making anyways.  <response>: What people are saying is banks dont trust you because youve given them no reason to trust you.Hell, you currently dont have any evidence you can handle having credit. 