House of Representatives and Senate offices will provide health coverage to Members of Congress and designated staff through the Small Business Health Options Program (SHOP). SHOPs were established to administer group health benefits to employees of small businesses.
Individuals with no credit history will have a score of -1. If the credit history is less than six months, the score will be 0. CIBIL credit score takes time to build up and usually it takes between 18 and 36 months or more of credit usage to obtain a satisfactory credit score.
If your application for a Chase credit card is still denied, there are other alternatives, depending on your credit score and history. Good Credit (700+) | Fair Credit (650-699) | Bad Credit (< 650) | No/Limited Credit. Having a FICO credit score of 700 or higher puts you in the category of folks with good credit.