<prompt> Human: Closed on my house 3 weeks ago, havent made a mortgage payment yet. Salary 60k, Put 38 down on home, mortgaged 120k. Applied for a Lowes Credit Card online and got declined. Any reason why?Assistant: Wait and see what reason they give you. Theyre legally required to tell you why.Human: I have one other credit card that Ive had for 9 years. It has a 10k limit, current balance of 2,000 has been paid in full every month and will be paid in full next week during the billing cycle. I seriously have no idea why  <response>: ...which is why you wait until you see what the letter says. 