I have having trouble getting my first credit card. First of all, I just recently graduated from college. I never had a credit card through college ( which, as I realize now, was a big mistake ). I just recently got a job. I have a store credit card ( J. Crew ), and I have a balance on that. I applied online for Aria and Next Card, but got rejected. The reasons they gave online were that: * A comment or public record indicates an account not paid as agreed. * Proportion of loan balances to loan amounts is too high * Delinquent credit What does this mean? Is it because I have a balance on my J. Crew card? The balance isn't even that high because the credit limit is small. Anyone got advice on what to do? What are my options? Thanks!