I made the mistake of relying on credit karma before I applied for new credit. Not saying that their score isn't accurate, they just don't show experian's scores. Turns out, a colletion agency took an old debt and renewed it making it look like I missed payments. I didn't realize this until it was too late. Thankfully I used my brain and instead of just applying for regular credit cards I went for retail cards as well. Before this credit grab I only had two secured capital one cards (1000CLI, 550CLI), an auto loan(13,000), a Zales card(1,000), and a Blue Nile card (13,000).
Below is what my denial letters said from each place I applied for. Also I will list the places that did approve me. All of these credit cards were applied for within a week.
DENIALS:
Card: Barclays Hawaiian Airlines Card (thought I could get one since no one is traveling anymore)
Pulled from: Transunion
Score: 666
Denial Reasons:
-Bankcard utilization too high (Zales and 1K Capital One at 0 balance. The 550 C.O. was at 495.)
-Recent Deliquency ( Ive had 43 months of on time payments so it must be the old repo)(also in 2017 bank of the west chared off a balance of 146 which I paid right after.)
-Insuffient Credit History (oldest account is almost 4 years old) (average of a little over 2)
-Presense of Charge off Accounts (old repo from the divorce in 2015)
Card: Wells Fargo Platinum Visa
Pulled from: Experian
Score: 620
Denial Reasons:
-Serious Delinquency
-Too many accounts with balances
-Length of time revolving accounts have been established
-Proportion of balances of credit limits is too high on revolving accounts
-Number of credit bureau inquiries
Card: Discover it with 0% APR for 14 months
Pulled from: Equifax and Experian
Score: 659
Denial Reasons:
-Delinquency
-Collections filed
-Length of Credit
Card: Express Card (retail card)
Pulled from: Equifax
Score: 720
Denial Reasons:
-Too many inquires (this was at the end of my credit grab)(9th application in)
Card: Gordon Jewlers
Pulled from: Experian
Score: 674
Denial Reasons:
-Delinquent Status on account
-Lack of first mortgage account
-Not enough available credit on revolving accounts
-Unpaid collections
APPROVALS:
Below are the cards I was appoved for. I looked at my credit report to see what bureaus they pulled from. I don't know what scores I had when I was apporved but all of this was done within a week.
Card: Target Red Card
Pulled from: Equifax
Credit Limit: 1,000
Card: Amazon
Pulled from: Transunion
Credit Limit: 1,600
Card: GAP Visa
Pulled from: Transunion
Credit Limit: 2,000
Card: JC Penny
Pulled from: Transunion
Credit Limit: 500
Card: Kohls
Pulled from: Experian
Credit Limit: 300
Card: Helzberg Diamonds
Pulled from: Equifax
Credit Limit: 3,100
Card: Discover it with 24.49% APR
Pulled from: Experian and Equifax
Credit Limit: 1,250
BONUS**
CREDIT LIMIT INCREASE ON MY ZALES FROM 1,000 TO 1,750. (suprised they gave me an increase because by this time I had put a freeze on Equifax and Transunion.)
** I did this to increase my overall credit so that my utilization would go down. Also I wanted to have at least 11 accounts so that I could show that Im responible enough to handle multiple accounts.
** I placed a credit freeze on all three credit bureaus and I will not be removing untill 2022 when all of my inquiries are off. Also by then I will have two more years of handling multiple accounts. I should be able to buy real estate in 2022 with no problem.
I've made a lot of mistakes so hopefully this information helps the next person who's deciding on if they should apply for a card or not.
Thanks for posting! 
