Core Insights - The article discusses the challenges faced by first-time credit card applicants, particularly the disappointment of being denied a credit card and the steps to take afterward to improve approval chances [1][2]. Group 1: Reasons for Denial - Limited credit history is a primary reason for credit card denials, especially for first-time applicants, as issuers may view them as higher risk [2][3]. - Other reasons for denial include past late payments, multiple inquiries in a short period, limited income, application errors, age restrictions, and inaccuracies on credit reports [7][9]. Group 2: Steps to Take After Denial - Applicants are encouraged to request a free copy of their credit report from the three major credit bureaus to identify potential issues leading to denial [4]. - If inaccuracies are found in the credit report, applicants should dispute them with the respective credit bureaus [5][8]. - Understanding the reason for denial is crucial, as applicants have the right to request this information under the Fair Credit Reporting Act [9]. Group 3: Alternative Options - If traditional credit cards are not an option, secured credit cards are recommended as they require a security deposit that serves as the credit limit, helping to build credit over time [10][11]. - Other alternatives include becoming an authorized user on a trusted person's credit card or considering credit-builder loans, which report monthly payments to credit bureaus [13][14]. Group 4: Examples of Secured Credit Cards - The article provides examples of secured credit cards, such as the Capital One Platinum Secured Credit Card, which requires a minimum security deposit of $49, $99, or $200 for a $200 credit limit [15]. - The Capital One Quicksilver Secured Cash Rewards Credit Card offers 1.5% cash back on purchases with a minimum $200 security deposit [15]. - The opensky® Secured Visa® Credit Card does not require a credit check but has a $35 annual fee and a minimum security deposit of $200 [15].

Core Points - The secured Self Visa® Credit Card is designed to help individuals with poor or no credit establish and rebuild their credit [1][5] - As of January 2025, the card is available to the general public without a credit check, making it more accessible [6][7] - The card requires a minimum security deposit of $100, which is lower than many other secured cards [6][13] Summary by Category Product Features - The card has a $0 annual fee for the first year, followed by a $25 annual fee [3][4] - Ongoing purchases have a variable APR of 27.99% [3][4] - Card activity is reported to all three major credit bureaus, aiding in credit building [7][13] Target Audience - The card is particularly beneficial for the 29% of Americans with credit scores in the poor to fair range [5] - It serves as a useful tool for those looking to improve their credit history through responsible use [5][8] Application Process - No credit check is required for qualification, which broadens access to the card [7][13] - Self will review account activity, potentially allowing users to qualify for a higher credit limit or an unsecured card in as little as six months [8][13] Usage and Limitations - The Self Visa Credit Card can be used anywhere Visa is accepted in the U.S., but not for international transactions [11] - The maximum credit limit is capped at $3,000, which may be considered low compared to other options [13]