<prompt> Human: I tried to apply for a credit card through my bank, Citizens, and got denied. Then I applied for a Discover It Secured Credit Card and got denied. My FICA score is 545 Im 23 years old so Im not too worried about this yet. According to NerdWallet, the Open Sky Visa is a good way for someone like me to build credit.Are there any cards similar to the Open Sky Visa that I should also consider, or is that my best bet?  <response>: I dont know if this sub likes it or frowns on it, but I signed up for Credit Karma. It enabled me to get a decent unsecured CapitalOne credit card, since they fish out offers for you. 