I need help making a budget and need a website that can help and give good financial tips free of charge!!

I am thinking of refinancing and Chase Bank is ready to give a 10 yr 170k home equity loan. Is this a better than my existing home mortgage loan. Is there anyone who has suggestions for this.

I always thought at 18 they love to give you credit cards, I’ve tried Capitol One, Chase, a QT credit card, and a Best Buy one. All deny due to no credit history. I obviously can’t get Credit history if they won’t let me have credit. I Work 2 jobs and just want to have one just in case and to actually build my credit. What’s going on and why do i keep getting denied?