I recently got an invitation to apply for a credit card and did so. But they send me a letter saying that they can not give me a credit card because the credit report they received did not contain the required credit references and I have limited credit experience. When I got the application I thought that they already checked my credit history and approved it, that`s why I applied. Now I have another bad thing in my credit report. I don`t know what I should do. I have a secured credit card for 6 months and I always pay the whole amount, but still I am not approved by any other place. My secured card`s limit is so low that I need a new one. What do you recommend? Another question, they say in the letter that I have a right to get a free copy of my credit history. Will they send me the same one that they would if I paid them for it. Or is there another type of credit history(maybe a less detailed one) that they send to the refused people. Sorry the message is so long. I will appreciate any answer.