Help with a Credit Card!?

Colin Powers: Help with a Credit Card!?
So ive got a problem, ive got a PERFECT credit score, but no credit history, im only 21. ive got my own apartment and everything but no matter what i get denied for credit on most things like credit cards and such. I couldnt even get approved for a small loan. Anyone have any credit card ideas or Even know some companies, or hell i’ll take anything. HELP ME! BTW, you do have credit without credit history. My Credit Score is 903, but i have no history. I do have this credit i checked with my banker, and went over it for an hour. PLEASE i ask for no response that are similar to “you have no credit history thus you have no credit score”. I have a credit score, i have no credit history yet, and i dont care about your opinions of this matter, all i want is advice on what to do to BUILD CREDIT HISTORY, ive posted this 2 other times and people still give the same nonchalant answers, i dont care about them. All im asking is some ideas on what to do to get a credit card when im consistently denied, ive applied for 3 credit cards over a 2 years and 1 loan and denied on all of them.
I did go to my bank. they said i need to get a secured card, like pretty much a pre pay card that builds my credit, my banker told me it was bullshit and to not get it. But a lot of people think i should go with capital one. i think im going to look into this cause ive heard about 3 reponses to get a capital one card. Thanks!

Answers and Views:

Answer by ChoDuffield
Do you have a bank account? If you do then walk into that bank and talk to them about getting a credit card. If they attempt to hand you an application and tell you to turn it in through the mail or such explain your situation and that you’d like to do this in person.

I can understand not getting an answer to a rejection if you applied for credit cards online or through the mail, but if you applied for a loan at a legitimate institution then they will tell you why you were denied.

I agree that people here forget about the question and go into lecture mode a lot. You’re upset that you aren’t getting your question answered, but it really seems a big piece of the picture is being left out.

Answer by angeleyes
Stay Away from capital one.. they Truly only way for you to build credit is by a secured cc Capital one has had so many problems its not funny. check out bank rate.com and see what type of information you can get there.

Answer by cathyleen carmant
I was in a very similar difficulty a few weeks back. I found help here – www.loanstalkcentral.tk