<prompt> Human: Im 20 and I have been saving my money to be able to put a down payment on a car, then finance the rest of it. Im in a very good situation financially to buy a car.The issue is that I have attempted to get a credit card from chase my bank and they denied it because I dont have a credit history. A few of my family members have put their 2 cents in saying I should take out a small student loan to establish credit. Once I do get a credit card, Id only buy things with the purpose of increasing my credit score, thats about it. Im not one to go on a buying spree.A friend recomended a website called overstock. Hes bought some computer parts there at a very discounted price. I believe they have their own credit card, perhaps they would accept me. I believe they might be mastercard though, would that be an issue?Is there any other thing I can do to establish my credit?  <response>: Secured credit card. You put up a couple hundred dollars, and then you have that much credit. If you dont have a few hundred dollars you can use to secure the card you get the deposit back later, then you cant afford to be getting in debt anyway. A secured card is one of the smart ways to build credit, and yes it will report to the credit bureaus.Ignore anyone who says you should borrow money and pay interest on it loans, car loans, etc to build credit. 