<prompt> Human: Hi, I turned 18 last month. Im very interested in finances have been lurking this sub for years and am very responsible with my money. My dad and I have been working on separating my finances and accounts from his and now he wants me to start building my credit.I first applied for two normal cards at the request of dad amazon and capital one and got refused for both - not biggie, I have no credit anyway. However, upon applying for the capital one secured card I got refused. What reasons could there be and how do I fix them?Im a student with no mortgage or rent, make 3000 per year with no credit history, and a checking and savings account with 2000 in savings.  <response>: Capital One will send you a letter I think theyll just email it explaining why you were denied. it could be as simple as calling them to verify your identity. 