Totally understand if this isn't the best place to ask, but I'm just curious based on others' experiences.

I'm currently an ON employee, but genuinely shop at ON, Gap, and Athleta a LOT. I'm a college student with a 747 (built up from being an authorized user on my parent's Target REDCard for three years (who have even better credit than I do), and having a secured card of my own for over a year). Never paid a bill late for anything in my life. Obviously I don't make much, but I don't pay housing. Just trying to look for a way to build my credit that is not a standard unsecured card and would actually be semi-useful to me, however if there's a fair chance I would get declined (the income being the more concerning part than the credit score), I would rather not take the hit to my credit score. Of course I know no one ACTUALLY knows, but what has been peoples' experience with it?

(edit: not that it likely matters, but I will probably get the card at Athleta if I do)

I had a decent credit and only one credit card, but have only had it since 2021. I opened a gap card recently because a family member started working there and asked me to open one to help her out. I did it thinking it was only going to drop a few points, but 30???? Is there something wrong? Will it go back to normal? :( I’m so upset. I work really hard to make sure everything is paid on time.