Reasons were delinquent acct (that stupid charge off!), balance to limit too high (or something like that), insufficient history. That totally sucks!! Thay even offer a secured product and I wasn't even approved for that!!! My credit history: Providian Gold $500 11/00 Aria Persona $250 12/00 Cap One Secured $200 01/01 Paid collections on Equifax Charge off $507 4/99 Dang! I guess my credit is too new and that charge off is really screwing things over! Oh well. I knew I shouldn't have applied.