<prompt> Human: Hello, I am just looking for reasons why I am only able to get a secured credit card when I havent even had a credit card or anything associated with credit that I know of. So far I have applied to the Capital One Platinum card and was denied, so I did a preapproval check and they offered me a secured card instead, but I am not sure I want to go about using that, unless that is my only option. Any suggestions for other cards I should try to apply for? I saw Chase Slate could be a viable option as well.  <response>: You do not have any credit history so the credit card companies does not trust you. This is the reason they give you secured credit cards in the first place. If you get a secured credit card and use it responsibly you can later upgrade it to an unsecured card or get another unsecured card. 