<prompt> Human: So I was trying to get a card from a guitar store to get a 3 year payment plan on some gear and was declined the store card due to lack of sufficient credit. Ive never had any kind of credit card and I was wondering how to go about earning some good credit. I decided to sign up for the amazon credit card. It has 0 membership fee and I use amazon a bit so i figured it would be good to use as a starter card. My question is, will they accept me since I dont have any credit score built up?  <response>: No. They wont. Why do you need a 3 year payment plan on this? If you cant afford it now, its frivolous. You begin building credit by getting a secured credit card. 