Kroger 1-2-3 REWARDS® MasterCard®

When i first saw my credit score here at credit karma (715) i was so excited. This was one of the first credit cards i apply and didnt actually got an answer online but 7 -10 days later i got the card with $2500 limit . Was so happy specially the rewards on the gas -  for every 100 points i got for shopping at ralphs or food4less they gave me 35cent off a gallon , its not that big but if you fill up every week its a good savings. You also get rewards for shopping and buying kroger product but not that much just coupons and $5 for some points

This card seems very easy to get approved since few days apart my friend who has lower credit score than i do also got approved, starting with low credit limit of $1000, but it is usually normal based on my debt-to-income ratio (55%). 

My highest credit limit is discover card so far. I would not complain bout this card since they don't push credit protection service to me and the customer service is very amiable to talk with as always. 

I use this card to get gas rebate since I am a frequent kroger shopper. The perks of this card does not look so favorable if you do not shop at Kroger and get gas at the kroger for the initial 3 months. However, I have 1 year 0% apr and then go back to 23% apr afterwards. I pif each month, so I can collect enough gas rebate points. The reward is given to you every 4 months I believe. 

I like US Bank since there are many bank locations in my area and they have good customer service. My experien credit score was 684, transunion 654  when i applied and now it is 696 for experien and 663 for transunion. 

I applied today online and was denied, current TU FICO 661.

I'm very interested in their rewards as we shop alot at Kroger.

Anyone have the backdoor number and think I have a chance at recon?

BK discharged Aug 2012, I have 9 trade lines established since discharge with 100% ontime and only 7% utilization on all my cards.

Thanks

Applied for card trying to rebuild my credit.  When I called to activate they transferred me to someone who said for $1.99 I could get my credit report.  When my statement came I had been charged $219 for some kind of credit protection.  To add insult to injury there was another charge from another protection agency for $199.  I have called and sent letters they tell me to contact the companies. I have no idea who they are. The company would not help so I filed with Consumer fraud division in my state and they are investagating.  For the record this was the only credit I have why would I need two companies to protect it. 

 applied for direct deposit and money was there but was not avaible