Why can’t I get approved for a credit card?

I’m under 21 and I’ve had a secured credit card since May of ‘09 with a $300 limit. I’ve tried going to BoA and getting a loan but they only do their personal loans online. There is NO ONE I can ask to cosign (I’m only in CAPS because there is no one my dad died two years ago and my mom has double bankruptcy, I really don’t know any of my relatives as well). I’m not looking for pity or some stupid crap response I just want an honest true solution.
I’ve gone to Walmart and they wouldn’t approve it either. I’ve gotten my credit report and there is no negative items on it.
Ive worked at my current job making 15 an hour for over two years. Ive made every payment early. I think credit card companies are idiots considering I’ve lived on my own for three years and still no one wants to offer me a card with some shitty interest rate.

The 4 main reasons people are denied credit:

1) Poor credit reports ( Have you pulled yours lately to make sure there is no adverse or incorrect information being reported?)

2) No job/insufficient income (Do you make at least $10/hour and work at least 35 hours per week?)

3) Too little work history (Have you worked for your currently employer for over a year?)

4) History of delinquency (Do you have checking accounts that you currently go negative in? Do you owe money elsewhere and not pay your bills on time?)

Side note – one secured credit card is not enough to build credit history. You still may not have enough credit history to apply. Secured cards are the best way to go about building credit, though, so you are off to a good start.

Once you do get credit cards, if you fall behind on payments and need assistance, check out this site: http://www.individualizeddebtsettlementservices.com

Personal Loans – Compare Secured & Easy Pay Day Loan Online Credit Cards & Loans Bad Credit