At least you get to know your problem. Me, I dont know why i was being denied my cc applications. The cc companies wouldnt tell me the reason why my applications were denied . Anyway I heard this debit card with union bank. Maybe ill try it if the reveiws are good. They say i can use it anywhere in the world because its a visa card as well and you dont have to maintain any balance with the bank. As long you have a deposit with the bank you can use it anywhere. Nag plug ba . Thanks for the help.