Hard pulls bad for credit history?
I never had a credit card before (therefore no credit history), so I tried applying for a Discoverit card for students, assuming that it would be easier for me to get approved. However I got denied with the reason of "not having a savings account", so I went ahead and opened one.
Due to my surprise, when I called them back, they denied me again on the terms of "having insufficient credit history". So I've got 2 hard pulls now for nothing.
Then, I gave up on discover and tried for an easier card. Cash Rewards for Newcomers from Capitalone, thinking that maybe this time I would finally get approved. Well waddayaknow, denied again.
So know I'm stuck with a secure credit card and 3 hard pulls on my credit history in a period of 1 month. I recently saw a deal on opening a Capitalone 360 checking, so I started to apply for it, however it says that they will also do a hard pull on my credit history.
So, should I risk it or play it safe?