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joanf01

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why can't i get approved for a credit card when my score is 768?
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Would need to know more about your situation to make a fair assessment. But, factors outside of the score comes into play, such as your income-to-debt ratio, mix of credit, number and frequency of inquiries into your report over the last two years, etc.

If it looks like you are desperate to get credit, you will likely be denied regardless of your score, as you would be deemed risky going forward.

You income vs. your outlays come into play, and if it takes you above certain thresholds, they won't grant you credit because it takes you above a risk threshold.

If you are denied, the banks are required to give you at least a high-level reason why you were denied. If you are not receiving those letters, follow-up with those banks to get some additional details.

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It may be that lately you have been shopping for credit and they see hard inquiries on it.

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May be new credit history. Credit card companies check for atleast a year history

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