So, I've always been financially responsible, but the way I did this is saving every penny I can at every moment I can. I'm married, my wife collects disability (A condition she's had from birth, paralyzed limb due to spinal under-development), and I make around 600 a week. Now, because my house is owned (Had some help from family plus my life savings up til that point) the only bills I have are utilities, and the once a year tax for the banks, but because I bought the house cash outright, it was simple.

BUT, if some of you remember, I recently bought a new laptop, nothing too fancy, actually it's pretty awful, it's an HP, the only plus side is the CPU is 2.0ghz so it's... Eh, unlike my last one which was only 1.4ghz... Both of which were quad core but you know that don't mean anything. My adulting issue come to the topic of credit, because I want a DAMM GOOD gaming laptop, I'd build a desktop, I built my wife one, she loves it, but I'm too fidgety to sit in one place, I want something I can just pick up and move to the kitchen, or the garage if I feel like it, and the ability to game with some decent titles (Skyrim, Fallout 4) but my credit issue all boils down to... I have none.

Public services like Credit Karma insist I don't exist, and every card I've attempted to get has been denied for lack of credit history, but... I can't build a history, without first having credit. You need one to get the other apparently, and I have neither, and this was something I was not taught in school. Buddy of mine recently applied for one and he was given a 4 grand limit, because he has good history even before that, but his parents helped him with that one, and as for me, I'm a bit... lacking, on the parent part.

Essentially, I'm trying to find a way to get a bank to approve me for a checking account plus a line of credit, with a limit of maybe 1,500 so that I can get this laptop now and pay it off over time, I could just save up again, it isn't hard, but this is more of a "I want it now, not later" kind of thing. So, does anyone know how credit works and how I might go about my goal without having to wait months? I'm getting really antsy about this because dammit all I wanna do is play Skyrim and Fallout 4 with decent quality and FPS, and mods, mods mainly for graphics and expansions, and if I try on my wifes computer, I'd get fidgety again and stop after 5 minutes because I just don't like desktops, weird, right?

I already have my eyes on a few systems, but it's just the credit part I'm stuck on, I'd have no issue paying my bills, I wish they took your income and compared it against your expenses to calculate eligibility, because after bills every month, I have a decent chunk left, but if I could get this thing tonight, I'd jump at that opportunity. Also having good credit could help me later on in life, so there's that too.

So, anyone who knows how credit works and can point me in the right direction, that'd be great, because as far as that goes, I'm in uncharted waters.