My credit score is 775, why can’t I get a credit card? When I was in my early 20s my mom put me on one of her cards, so I obtained a credit score of 775 without ever using the card. Now years later, I have applied for so many cards and get denied every time. They say they will mail me a reason, but they never do. I reported 50k a year. Any ideas? submitted by /u/NorthProspect