Question by lindapaisanita: How do I establish credit / fix my credit, if I can’t get aproved for a credit card? I’m 23 and have had only to accounts on my credit. One was a credit card with Citi that I overdrafted, paid, and closed. The other was a Bank Account I had . . . → Read More: How do I establish credit / fix my credit, if I can’t get aproved for a credit card?