Hey all. I'm 21 and have never had a credit card. My credit score is 0.

I figured it was time to build my credit score and a secured card was the best way for me to do that. Unfortunately, I'm finding this to be a bit more difficult than it sounds... I first applied for the Orchard Bank secured MasterCard, but their system tells me they can't process my request do to insufficient data from the credit reporting agency. So today after reading some great reviews on this site, I tried for the BofA secured Visa, and not 2 minutes after submitting my application I get an email saying my app was rejected and I'll be getting a letter in the mail explaining their reasons.

Why is this happening? I thought secured cards were made for people like me?