<prompt> Human: I am no expert with this stuff, but it does seem strange considering the following:1 I have owned and been making payments on a house for over a year now. Not to mention utilities and car payments...2 Ive had a credit card with both mine and my fathers name on it for at least 2 years At this point Im a bit afraid to try again because I dont want my credit score to tank for requesting too often. Do I have to wait til Im 30 to get a credit card on my own? Seems a bit ridiculous to me. What can I do to improve my situation rpersonalfinance?Update:Checked my credit score and im currently sitting at 734. Still seems a bit odd that I was denied but im going to look into an Amex starter card called everyday amex card. Thanks all for the input  <response>: Sign up on Credit Karma its free and get a better idea of what your overall credit picture is like. Theyll recommend cards that youre likely to be approved for, but bear in mind that they going to push the cards theyre paid to push over the ones that might be the best for you. 