<prompt> Human: So I got denied a credit card from my bank PNC. I wanted to get the card to build credit for a mortgage. I am 27 years old. Self employed for four years making between 35-50K per year. 80,000 in savings. Paid off 20K in student loans three years ago. No other debt. Do I really need to get a secured credit card?  <response>: I had 8 years credit history, a 750 score and no missed payments and PNC denied me for a card too. The next day I got approved for AMEX Blue cash perferred and quicksilver.Just try a different bank. I would try Discover. 