Why am I not being offered a credit card?

Ugh, why won’t anyone give me a credit card? It’s so frustrating! I mean, I’m a responsible person, right? I pay my bills on time – mostly! Okay, there was that one time with the electricity bill, but that was a genuine oversight, a crazy mix-up with the new smart meter. Anyway…

So, I’ve been doing some digging, and it seems there are a couple of likely culprits. First, the dreaded “lack of credit history” thing. Apparently, these banks want to see evidence I’m not going to immediately max out the card and vanish into thin air. Makes sense, I guess. But how am I supposed to build a credit history if no one will give me a card to begin with? It feels like a catch-22, you know? Like that time I tried to get a job requiring experience, but couldn’t get the experience without the job!

Then there’s the other one, the negative credit history. Yikes. Okay, so I’ve got a slightly bruised credit score… I’ll admit it, I had a bit of a rough patch a few years back. Student loan repayments… and let’s not forget that car repair that cost way more than I expected! I’m working hard to get back on track, though. I pay everything on time now, except for, you know, that electricity bill…

It’s really disheartening. I feel like I’m being punished for being young(ish) and maybe a little naive in my earlier financial life! I’m learning, though, I swear! And I’m really trying to improve my situation. Maybe I need to try a secured credit card or something? Ugh, this whole credit thing is a total minefield. I need a credit card for better interest rates and to build my credit history, but my credit history is what’s stopping me! It’s enough to make you want to scream into a pillow.