<prompt> Human: Hi PF.I am 20 years old and am trying to get another credit card to build my credit. I currently have a Jetblue Amex in which I am either a joint or secondary account holder from my mom.I have had the card since I was 18. Credit limit is 12k and below 20 utilization.Ive applied to the Sallie Mae Barclays and both Amazon credit cards. Rejected from both.My credit score is about 750 according to Transunion and Equifax from credit karma.I am currently a student worker at the campus library making about 550 a month.Is there a way to get approved? Is it because of my lack money coming in?Thanks.Assistant: Ask them. Theyre legally required to tell you why you didnt get approved.Human: I got a letter in the mail a month ago for the Amazon Signature Visa. It says this:Source: ExperianScore: 647And several reasons why the score is why it is.Didnt know my experian was like that. I just checked now and the score is 690 I signed up on their website. Maybe last month utilizatinon was a lot?Maybe I should try a student card. Know about anything like Discover It or Journey?Assistant: Those two cards, particularly the Sallie Mae card are a bit more stringent, the fact that your income is low and youre a student were probably the biggest deciding factors here.I applied for the Discover It a couple years ago now between my sophomore and junior years and was approved with a 1500 limit, being in a similar situation to you as the only thing reflected on my credit was being an authorized user on my Parents Delta Amex.I would highly recommend going with the Discover card, the customer service has always been helpful whenever I needed to interact with them, and the 5 cash back on rotating categories is one of the better deals out there for people with limited credit history. And once you move past being a student, you can request limit increases on the card, for which Discover is good, as they tend to not do hard pulls on credit scores for limits. Human: Seconding the IT card from Discover. Theyve been super friendly and helpful and have routinely raised my credit limit. Plus the rotating cash back categories are useful right now its any restaurant. Use your card for said category in place of your debit card, pay the balance immediately, and reap the rewards.Assistant: Awesome, thanks top posters. Applied for Discover IT and was approved online immediately.Thanks again!!  <response>: Holy crap, I followed your lead and got approved too! Im in a very similar situation so I figured why not? So thank you for posting your question today! 