<human>: Can you provide a brief rundown of the text in within 3 sentences?

I am shopping around for a new credit card and just tried to apply for the Capital One Platinum Prestige Card (which creditkarma said I had a "Very High" likelihood of being approved for) but I was declined. On that application, when it had me enter my annual income I only included my own personal salary. My husband and I don't have much money in the bank right now (a couple hundred, sadly.... his boss bounced his paycheck this week and it's been a struggle getting back from below zero when it wasn't our problem and we had to rely on my (lower than his) pay for the week) but we do have a bit over $9k in a ROTH IRA. I make less than my husband, and together we make about $43,000 annually.  We also have about $4,500 combined debt from college that we're hoping to transfer to a low interest card because the bank card I applied for before I left for college is ridiculously unaffordable in comparison to the ones I've been looking at. I know that to the creditors my salary alone doesn't look like I can cover the payments, so what I'm wondering is am I allowed to report both our incomes together as annual income?

More specifically, any suggestions for a good credit card for balance transfers? I thought the Platnum Prestige was my best option after reviewing Creditkarma so now I'm feeling a little discouraged. Is everybody going to decline us? I just want a card that will help us get out from under that debt as quickly as possible, I hate this! Rewards would be icing on the cake but my priority is finding the best card, financially speaking, I can qualify for. 

Any and all help is much appreciated, thank you!
<bot>: Trying to apply for a more fiscally sound credit card to do a balance transfer and pay down debt faster. Can I report our household income or only my own personal salary?