<prompt> Human: As the title stated, I am 20 years old and I live in the US. I have an apartment in my name along with internet and CPS bills. Now we have everything settled just moved in a month ago I felt it was the best time to get a credit card and just put all my bills on it to build my credit for the first time. Now a little detail about that.The banker was shocked to look at my credit score and discover nothing was there, at all. I have never had student loans or even filled out a FAFSA my mom is just paying for my college cash and therefore nothing really exists in my name that a bank can use to evaluate my credit aparently. So here I am, one week after visiting the banker and getting a letter in the mail saying I was denied. How do adults even get credit cards then? I pay all my bills on time, always have. How do you even start this process because obviously I failed...  <response>: Not just that, but Chase is known to be very stingy when it comes to peoples first credit card. Do like most students do when in school and go with a student card with a bank, or even Discovers student card. If that fails then it is secured card time. I started with a Wells Fargo Student card. 