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There are many different factors credit card issuers take into account when they consider your application. They look at the length of your credit history, income, employment, credit score, and some other factors. If the issuer finds you are not creditworthy, your application will be denied. If you apply for credit card which does not fit your credit history, your application may also be denied. The problem may be that you are applying for cards that are only issued to people with good or excellent credit. A score of 622 is considered fair.  With your credit score you should apply for a credit card for fair credit history.