<prompt> Human: Hello everyone,I am struggling to get approved for a credit card or loan based on my credit history and I am not sure how to go about fixing the things being held against me. A little over a year ago I went a purchased my first truck from a dealer and had to deal with getting a loan set-up as I could pay for the truck in cash, but it would have depleted my emergency money, which I do not like to dip below in my bank account, just in case.They sent my info to quite a few different places and ended up getting a 5.99 over 4 years which isnt bad for my area from the calls I made in addition to theirs. I took this offer and have been paying on time since with no hiccups. A couple of weeks after this I started getting denial letters about not enough credit history, low credit score, things of that nature and thought it was strange, but I guess not strange enough to look into it more at that point.Fast forward to about a week or two ago my fridge dies in the house and I head to Lowes to get a new one. I see they have a credit card sign up special where if you sign up for their in store CC you get no financing for 1 year. That seems like a pretty good deal to me, knowing the interest rate would probably be 25 APR, but I knew I could pay it off so I figured why not take a year to do it, and build some credit at the same time. I got denied in the store, which I thought was strange and had to pay with my debit card anyways. No big deal, but I decided to look into it more when I got a letter in the mail from Chase today about why I had been denied.They denied me for not enough credit accounts and not enough credit historytime wise. I understand that, Ive basically only had 1 CC in my life that I never used once I got enough money in my bank account to cover anything I would need so I cancelled it years ago. The thing that struck me as the most odd however is the company that ran my credit history had my credit score at an 860, from what I understand that is good, maybe even very good?I am just not sure where to go about getting a credit card that I can use and build credit without ruining my credit score applying for multiple different credit cards as each one of them must run a check on me. The company that did my credit check also noted that I had applied for too many accounts recently. The only thing Ive applied for loan or CC wise in the last 5 years has been my auto loan.I am just stuck and not sure where to go to try and get un-stuck. I am 30 years old and have a good amount of money in my checking account and a 401k that I am building from my current employer. How do I get all of this to translate into getting a credit card so I can build credit because I dont want this to hurt me in the long run trying to buy a house or anything of the sorts.Thanks in advance for any help and advice! Sorry if this is one of those FAQs but I looked through all the basic stuff and didnt see anything that would pertain to my specific situation. If it is there and I missed it I apologize!  <response>: only had 1 CC in my life that I never usedSo you have no payment history? Do you still have the CC? the company that ran my credit history had my credit score at an 860Most FICO models go up to 850. Ask them which model they used. 