Applying for credit card?

Even though I’m a grown adult I don’t have a credit card. Don’t want one, don’t want any extra debt other than car & mortgage. One of my kids needs braces and they want a lot up front that I can’t just take from my checking account. I’m having to apply for a CC. This is going to be just mine so on one... show more Even though I’m a grown adult I don’t have a credit card. Don’t want one, don’t want any extra debt other than car & mortgage. One of my kids needs braces and they want a lot up front that I can’t just take from my checking account. I’m having to apply for a CC. This is going to be just mine so on one application I put down just my info, my income. I’m a teacher and don’t make a lot so I was denied. On my next application should I try again with just my income or put down our combined income (husband too)?
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