<prompt> Human: So over the last year Ive been able to clear about 4,000 worth of debt across multiple credit cards and a few outstanding medical bills. As of last week my remaining debt is just over 150 on 1 credit card. My goal, now that my debt is significantly smaller, is the rebuild my credit back to a respectable level. Yesterday I learned I was rejected by my bank in an application for a new credit card. So what do I do now? Is there any way for me to build my credit without a credit card? Or should I look into other credit card options? just looking for a bit of advice.Edit: thank you all for the advice! I wasnt aware that appling for a card effects your credit, a few close friends recommended that as the next step. Ill be talking to my bank about my existing credit card and see what my options are.  <response>: Whats your score look like now? Any negatives on the report? Thats going to be the factor for why you got rejected and can guide you to cards that you can likely get approved for. 