<prompt> Human: Im a 19 year old college student currently working at an internship over the summer, and I wanted to start building my credit so I applied for Citi banks secured credit card. They declined me because I reported my annual income which was too low. The annual income I cited was only the money I am making this summer since I dont work when Im taking classes during the year. Should I have reported my parents annual income instead? Im also confused as to why Im getting denied from a secured credit card since there is no risk on their part in the first place.  <response>: Should I have reported my parents annual income instead?No, they asked for your income not your parents.I would try applying with a different CC issuer. Discover is usually pretty lax with who they approve for their secured and student cards, and as a bonus they are the only issuer Im aware of that offers a secured card with any kind of rewards. 