We are sorry about the situation you are in. You can keep negotiating it with your banks or start from scratches. Actually, nowadays your credit is a very important thing you should take care of. So, start with your credit.
We in turn are happy to invite you to shop around for the credit card offer best for you. Taking into account your credit not so good, you are welcome to look over the credit cards for limited/no credit issued by the leading U.S. banks and credit card companies. Choose only among the credit cards you may be eligible for. Compare the cards side by side, study their features and credit terms. Consider applying online for the credit card right for you. If you are approved, chances are your credit limit won’t be high and credit terms will be tough but this won’t be for good. Be a responsible cardholder and your good payment history will help your credit.
Please note that if you’ve applied for multiple credit cards recently, wait at least six months before applying for another credit card. Your new credit card applications and every new approval damage your score. Too many credit card applications too close together will show you are in desperate need for credit and this may be a reason for another denial.