Thank you for posting your question. I am not sure why you were turned down for a credit card, but I would recommend pulling your free credit report to see if anything pops up on it to make sure you are not a victim of credit fraud. I would also recommend calling a mortgage officer to see what they say and advise you on what to do to improve your credit before you apply for a credit card or buy a home. I use Jason Brooks from New American at 910-920-7283. Let me know if you have any other questions 910-583-3817.