<prompt> Human: I am 22 years old, I have 2 years of renting history on time, every time, no late fees. I have only ever had ONE overdraft in my entire 8 years of banking on my own. Every adult I meet is shocked to hear that I dont have a credit card and all of my friends have them and they got accepted on their FIRST try.. I would like to get a credit card so that when I find a new place to live my security deposit wont be TRIPLE the monthly rent. Also just to have one, I needwant the experience of being someone with credit. I have applied for a credit card through my bank TD, at an ENTRY level starter basic bottom of the line credit card and I was declined.. I recieved a letter in the mail saying that the credit bureau could NOT give a specific reason as to why I was declined, so I just threw that letter away and gave up. But now, 3 months later I want to try again. So I applied for a Citi bank not my bank credit card, declined.. and a Chase not my bank card.. declined. Im afraid to even keep trying as I know NOTHING about credit and I dont really know if me continuing to apply has an affect on my credit score.. What can I do, because I need this tick marked off of my list so I can progress as an American adult. Monthly income - 1,500 USD Monthly amount for rent utilities - 480-500 split amongst 3 others  <response>: Get a secured credit card, eg, the Discover it SecuredSecured means that you pay the money to secure guarantee the card. Think of it like a security deposit: you pay 500, you get a credit card with a 500 limit. Ifwhen you close the card or transition to an unsecured card, you receive the money back. If you default on payments, you lose the 500. 