It's beyond frustrating when you are conducting your life in a mature responsibile manner, you're penalized for it. Unfortunately, we live in a capitalist society that thrives on taking your money.
It wasn't a novel. Thanks for sharing. Quick answer is obtain one card to "establish" and build credit. Your 12 year old loan is perhaps off of your history by now.
If you have a hard time getting one, go for a secure one through your bank or Discover. They won't kill you in annual fees or high rates. Try a credit union first , if privy to one.
Happy housewarming and good luck Sorry for the novel🌞