<prompt> Human: Hi personal finance, first post on this subreddit.I am a 22 year old male who is working full time trying to build credit. I applied for a credit card in September through my bank and was rejected for the reason not enough accounts opened long enough to establish a credit history. I did not apply for a credit card right away becuase I didnt want multiple rejections on my credit history. I spoke to a banker at my bank last week and they called their credit department who recommended I apply for a secured credit card. So last week, I applied for a Discover Secured Credit Card and put down a 1000 deposit. I noticed that the money hadnt been taken out of my account, so I checked on the status of my application and got the following message Thank you for considering a Discover Card. Unfortunately, we are unable to approve your application at this time. In 7-10 days youll get a letter from us explaining why.I am discouraged because I am not able to get a credit card to start building my credit and conversely, I seem to be damaging my pretty non-existing credit history.Some details:I work a full time job with a 65,000 salary.I have 14,000 in liquid assets.I have been an authorized user on one of my parents credit cards since 2013.Any advice on how to move forward or any explanations about what could be wrong would be greatly appreciated. EDIT: Upon signing up for credit karma, it looks like my parents mortgage and auto loan is on my credit history. Trying to resolve this.EDIT 2: My parents did not put me on their mortgage, and if I happen to be on there it was by mistake, I trust them 100 and trying to clear it up. When I called Discover it looks like they had my bank account information wrong so hopefully this is all sorted out.Assistant: I have been an authorized user on one of my parents credit cards since 2013.Check to see if their credit card issuer reports authorized users to the credit bureaus. If they dont, ask them to add you to another credit card they may have that does report authorized users.Human: It is a chase card, which i believe does report authorized users. Also i see the cards balance on my credit report.  <response>: That is very odd then. I am assuming your credit reports dont have any negatives or false items on it?If so, then go to a company other than Discover and try for one of theirs. 