<prompt> Human: I am a 19 year old soon turning 20, second year college student who recently applied for a student credit card. I have a student checkingsavings account from PNC, and I have been using that account for 2 years now.I applied for a credit card so I can start building credit scores for the future, but I got declined. The reasons for getting declined was 1. Payment obligations too high in relation to income and 2. Insufficient credit history.x200B;My parents never had any account in my name, and for personal reasons, my parents do not financially support me at all and I have been on my own since my first year as a college student. My tuition is covered by the schools financial aid. I have filed taxes and FAFSA on my own and went through the appeal process to be considered as an independent student from my schools financial aid.For income, I do not make much as a college student working part time during the semester and paid internship during the summer. My most recent tax return says I made around 4k, but that was when I did not have a paid internship during the summer. I am expecting to file about 6k for 2018 income, and I have about 10k in my savings account right now.I have been paying my phone bills on my name for a year now. Starting this school year, I will be paying rent and internet bills on my own as well. I googled how to build a credit score without credit card, and it says that paying rent or utility bills are one way of building the credit score. How do I make sure that the payments I make are being considered in the future when I apply for the credit card again?Also, when should I apply for a credit card again and what can I do meanwhile to build my credit scores up?  <response>: Get a secured credit card. 