<prompt> Human: I bank with us bank. They declined my application for a credit card, and i havent gotten the reason why yet in the mail. I dont have the best credit due to small doctors bills unpaid i guess. I need a credit card though, for bills and such. Any reccomendations? Thank you  <response>: Dont pay bills with money that you dont have. Prioritize what needs to be paid, but if you cant pay all of your bills right now a credit card is just digging the hole deeper. 