First, I want to thank everyone here with the valuable info on this site. A little about me. Recently ,I have taken a more responsibility in regard my finances. I have a a few cards, BofA rewards USAA, , Capital one and NFCU. The NFCU account had an limit of 10k and the balance was 9800. With an interest rate of 18%, I have only paid 1000 in 3 years . My FICO Score was in the low 600s , so I was desperate for relief. After doing research( primarily this site), I found a solution. My fiancé applied and received Penfed (10k limit), Discover It (9k limit), and Citibank (15k limit). Was denied Chase even with her 760 score . Go figure. She put me on all cards as an AU and divided the 8800 balance equally between Discover and Penfed with 0% transfer balance for 18 months and 1 year. In 3 months my FICO Score has jumped to 685. Today I applied for the Navy Cashback card and was approved for 20k!! Thanks again for everyone’s help...
Congrats! It's a great feeling to tackle something like this and get things moving in the right direction! In my case I used the approach to my credit for years that if i dont look at it then i dont have to worry about it...not so much.
ABCD2199 has links to some great threads in their signature...I highly recommend them as a good read.
Congrats - and watching your balance actually go DOWN when you make payments can really be motivating. 
Best of luck.
She applies to Chase first. She was as baffled as I.
@Gregory1776wrote:She was probably denied for Chase due to the three inquiries.