<prompt> Human: So both I and my fiance are 18 years old, yet only Ive been approved for credit twice!. The first one was just a Khols credit card, which we used and paid off with our joint checking account like normal and on time. The Kohls card is in my name, so I assume it was building up my credit...Clearly, it must have or the Credit Chiefs of the Cosmos are looking out for me because a couple months ago I got my fiance a new stereo for her car at CarToys. I got approved for 1100 dollars to finance it, never miss any payments.Before the Kohls card I got, I dont think I had ever had anything credit related before. Never got any cards when I was in my teens, never had a job until March of 2014 Sonic, six months. I now work at Costco, but my fiance still makes more than I do.Why the hell cant she get approved for credit? When we check our credit scores, she has no history and I have a 650 or so. She got turned down for the Kohls card, our banks credit card, nearly everything. Tl;dr: Me and fiance had same base credit, but only I got approved for what started my credit. Why cant she get approved?Also, on a side note, if she can get approved for a secured credit card, good idea? Our banks lowest option is a 300 dollar one which we can afford and then she can just use on gas, smokes, our normal shit we can pay off.Sorry in advance if it sounds like a total dip wrote this, Im young and have little clue to finances and all that jazz! Thanks reddit!  <response>: Our banks lowest option is a 300 dollar one which we can afford and then she can just use on gas, smokes, our normal shit we can pay off.Im going to make a quick suggestion for a lifestyle change while youre still young. Quit smoking. Easier said than done and you can take it personally - whatever. Im just trying to save you a ton of money in the long run. You could have a premium on health, home and car insurance, your healthcare costs will be much higher, dental care will be more expensive and increased depreciation on your cars and future home. Not to mention the risks that go along with smoking, shortened life span, health problems are much worse, lost potential earnings due to money being spent on cigs instead being invested... 