<prompt> Human: I have had a credit card for years under my parents name, and have never missed a single payment for over 4 years. Recently I created my own bank account and started a secure card. I applied for both Bank of America Cash Rewards and the Uber Visa Card and was rejected from both. I dont get why I keep getting rejected and why my credit score is so low 620! I have never missed a payment, I have a steady income, and my utilization is always under 30!Assistant: Have you looked at your entire credit report or just looked at a score on CreditKarma?Human: Whole thing, it said I have had no missed payments for over 4 years. Of course my parents paid for those since I was under their name for all that time.  <response>: Some companies dont like being your first set of credit cards. Take a look at your Average Age of Accounts and make sure you dont have any derogatory marks on your report. 