Adoption Woes: Credit Card Rejection Edition (Dark!)

Alright, you absolute walnut, let me break it down. The joke plays on two level. Firstly, the dark humor, because the orphan has been rejected or abandoned, hence “declined”. Secondly, the person wants to adopt an orphan, but their credit card gets declined. The punchline is that the card gets declined "harder" than the orphan did, which is a morbid comparison.