<prompt> Human: I still dont have a credit card. Is it stupid to keep trying to apply? I would prefer not to have a secured card. I know hard inquiries take a few points off your credit, Im just very frustrated I keep getting rejected and dont really know what to do...no loans, no mortgage, I make 55K a year and I just gained financial independence from my parents. Just got rejected from a capital one quicksilver which I thought was a safe cc. please help me im soon going to be poor.  <response>: I understand that you prefer not to have a secured card, but that is probably the best bet to improve your credit history if you cannot get approved for another card. 