Credit Denial

Make em want you. Give it some time so the inquiries go away. Save
some of those bucks you say you make. Then get a different card to
start and apply again but not too many times. Build up the bank
account. Maybe you have no collateral.

$8K a month? Your husband must be very high ranking to be earning the
big bucks in the military. If you make so much money, why do you even
want or need a specialty credit card good at only one store? Use
Visa.

The other poster took the words out of my mouth: credit is not a
right, it's a privilege.

Unfortunately credit is not an American right. There are guidelines
they follow to determine risk, and you are a risk according to those.
They don't want to lose money.
There are many ways to establish credit, you might want to look into
them. If you had 4 inquiries, that means that you potentially went on
a credit obtaining spree. It would be possible to get a large amount
of credit that you wouldn't qualify for, at the same time they
approved you. That would be the risk.