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Both. I deal with auto loans regularly and i've seen 700 scores declined because of lack of significant credit history or recent BK/repo.
And to add to my statement, auto loan underwriting guidelines is typically much more lenient and easier to obtain than with credit cards. Based on that fact, i would say it's significantly more difficult to qualify for a prime credit card. Perhaps you can share your credit score/history/income profile so we can help you.