<prompt> Human: I have never had a credit card or a loan, Im 26 and need to begin building credit. Ive tried applying for student cards while I was in school, as well as some cards for first-time credit card users Discover It for students card and today I even tried for a Gap Store Card and was declined while in the store.Basically - I ALWAYS get declined immediately for anything I try for.Ive tried using Credit Karma to check my credit score - and they run into errors when looking up my score. I assume this is because Ive never had credit to begin with? Is it weird that nothing appears at all?Has this happened to anyone else? What did you do? Any advice is welcome.Just to clarify - Im located in NYC  <response>: I was approved for the Discover it for Students as my first card, with zero credit history. You need to call in for reconsideration. 