I am rebuilding credit. I have some medical debt due to a procedure that I had to have done without any insurance.. I really have no idea why I would be declined; unless it was because two of those bills are still on my credit report. All they said was that they would send me a letter in a couple of weeks with their reasoning. Thanks for all of the ideas on other secured cards. I’m just kind of nervous about applying for anything else right now because that will be another inquiry; which also looks bad. Thanks everyone for all of your support.