<prompt> Human: Im 21 and I tried to get a credit card to build up a credit history but I was denied by Discover and Visa. I checked my credit report for the first time and it left me not understanding whats happening.A year ago my father got me a joint credit card with him and after only having it for a month my wallet was stolen with it in it. I told him to cancel the card but I have no clue how credit cards work honestly. I just checked my report and it says I have a 2700 credit balance and 2650 limit on the card, 101 utilization and very poor.Is this why I keep getting rejected and what do I do about the card to fix it? Is it being used by him and thats whats bad? I honestly have no clue whats going on and would like someone to explain it to me before I talk to him.  <response>: Seems like you need to talk to your dad. 