<prompt> Human: In the letter they sent me they listed the following as the reason:low access to credithigh debt obligationlack of banking relationshipwhat do these mean in real world terms, and how can i fix them to improve my credit and odds of getting a credit card?Assistant: You also didnt tell us what you already have.Human: my apologies. as it stands i only have one credit card, with a limit of 2,500 and an old credit card that was sent to collections due to drop off my record in early 2014 with a balance of 3,900.  <response>: Yeah that huge balance on collections is gonna be the problem there. You _may_ be able to negotiate a pay-for-delete, but Ive never done that. 