 TITLE: 10 Potential Reasons Why Your Credit Card Application Was Denied CONTENT: 7\\. Your Credit Report Is Frozen\n--------------------------------\nCredit card issuers use your credit reports to determine whether you're eligible to open a new account. If you've frozen your credit reports to stop identity thieves from accessing or using your information to open fraudulent accounts, you'll need to unfreeze them before you submit an application for yourself. END