It also could mean that you won't get approved for a credit card with rewards, but for another card issued by the bank with fewer bells and whistles. (stockmonkeys.com)
The tutorial mode will run you through the different shots, with very few bells and whistles. (thesixthaxis.com)
If no, look for a card with fewer bells and whistles that matches your spending patterns and the rewards you want but without the annual fee. (creditcards.com)