There are a Few things all creditors look at, However Since I have a chase card and I have called and have spoken to there Credit dept

1 verifable Income,
2 How much revolving credit out there if it is to high
3 You status as a student as 21A stated not being able to verify.

Also take into Consideration if you are student and with Student debit on the rise cause college students being slammed with credit cards maybe they think you have to much credit.

My daughter is 19 and I found out she has 6 credit cards.

I was like oh no you Dont. I know she is a adult however I helped her closed 5 of those accts and was like I pay your tutition and you live at home NO to all those credit cards.

that is a personal choice I have made to make sure that she aware of the ins and out of credit cards