Having a hard time getting approved and unsure of why

When I was a around 22 I had a little bit of debt on my credit card and couldn’t pay it off, so I just fully closed the bank account. Now I’m older and want to figure out my finances but am having a hard time getting approved. I went on credit karma and it says I have good credit but I am also an “authorized user” on two credit cards from my parents. Is that affecting me getting approved?