I was denied as well with a 774 credit score. But was approved for AMEX BCE a few days later. They called me ask for my address and then she said I was denied. Got a letter in the mail stating they could not confirm identity. If you google walmart credit a LOT of people get denided for this reason...I gave her the right address that I put on my application and thats reporting and the credit agencies. There was no excuse for this.