I have just applied for a Wells Fargo Credit Card–I also have a checking account with them as well. Anyways, i was approved for a secured credit card of 800 dollars and denied a personal line of credit? I have to send them 300 dollars for collateral to get my card. Can someone explain this to me more thoroughly. Thank you.

I’m 19 years old and I have my first credit card. The new Obama credit card law will restrict credit access to people under 21 when it takes effect. Will I still be able to keep my card?

I just recently came back from vacation and am going on another in approximately two weeks, where extra funds would be nice to have. I am curious to know if there is a legitimate (key word) online credit card application that doesn’t take 30 days to give a response.
And if there is, what is the website?