<prompt> Human: So I have applied for about 3 credit cards these last few days. Most are ones available for college students and one was a secured card. I have been denied for each one, one of the reasons being sufficient obligation. I just want to start building my credit, so any advice on how I can get a card or build enough credit so that I wont get denied?  <response>: Have you checked your credit to make sure that nobody else has previously opened credit cards in your name? 