All six places are called by local business people, not a lie, and there is no place that has nothing to do with the head office. There is something wrong with the credit information, and there will be something wrong with the credit card of any bank you apply for. There is no necessary connection between income and whether you are on the card. Whether you can get the card is related to the way you apply. The loan repayment problem and the joint guarantee problem you mentioned have nothing to do with the card. A credit card is a credit liability, and both of your liabilities are.