I'm trying to get my first credit card solely to build a score, I don't need any loan or anything right now. For doing this, I applied to Chase two months ago (because I've had a debit card from them), and got a denial. After a little searching, I came to know that Chase is not giving credit card accounts for the first timers.
A month after that I talked to a Capital One representative and explained everything by saying "I don't have any credit score and I'm applying for the first time". And he recommended a Capital One Student Journey. After 2 weeks I got denied. The reason was no enough credit history! I guess that representative is new or doesn't know the stuff...
After calling them back and explaining everything, they told me I need to apply for secured credit card.
After researching little bit, I found that applying frequently can make a trouble for credit approval. How is this true? Does it apply to secured credit cards (and for the first time applicants)?
Can I apply for the secured one after applying twice in 2 months?