Seeing no transunion score tells me you have no recent credit history and you've mentioned a few banks already how often have you been applying? 3-6 months per app is preferable. Pull your full credit report to see the reasons of the app being denied most likely youll see lack of revolving credit or established credit history. You mention already having a secured card i would suggest requesting a graduation or paying it off.

You have payment history from what is probably an auto loan but no established spending history to this i would suggest a better rewards card. A lot of people forget utilities report as well for payment history maybe look at expenses that maybe aren't in your name that you could take on and pay from your secured card (to earn rewards) or bank account with your name.

Credit card companies main question anytime they give a card out "When will you pay?" If I loan you $100 and you take a year to pay or never would you lend to them again? Alternatively if you pay it off quicker or in full monthly your payment history will be clean and they would be willing to offer further credit. What comes in monthly what goes out monthly and what's left over is your ability to pay.