<prompt> Human: Just applied for a credit card through Pen Fed and got denied for having no credit file. I need help to establish credit get a credit card. I have no debt and a college degree. My job pays pretty well for being right out of college. PLEASE HELP!  <response>: This question must be asked here on PF 30 times a day here. You want to get a secured credit card. Unlike a regular unsecured credit card, the bank doesnt just loan you money. You give the bank money upfront say 200 as a deposit and thus your credit limit is 200. After 6-12 months the bank may decide to then increase your credit limit without asking you to put more money down andor convert your card to an unsecured one. 