never owned a credit card so therefore have no credit but i do have a good paying job and some savings

My suggestion is to visit with several Lenders, put ALL the cards on the table, including the crappy ones, tell them what you would like to do, and ask if they can see a way to help you.Good Luck!

And will a car loan and credit card debt influence on the approval of the loan?

You could end up on the wrong end of a fair housing lawsuit if the cards fall in the wrong direction.You might want to pay for an hour of a local real estate attorney's time to be safe.

I have a lot in savings, but I was declined from Discover It Secured card.

My wife and I recently ran into an issue that resulted in us accruing $18k of credit card debt.

Also, are there other ways to build my credit besides using a credit card and paying it off?

@Marissa StallerJust leave your credit cards at home both days.

Alexandra, building an online brand is really the same as what most Realtors do when they build a physical brand (signs, cards with photos, publishing articles in the local press, events, etc).

Seller holds all the cards.