<prompt> Human: I applied for Sapphire preferred in July and got denied for lack of bank activity, so I assumed I just needed to be a customer a little longer. I applied again today and got denied for again, low bank activity. They told me that I did not use my credit cards enough and they all seemed pretty untouched. A few points, all of which I established on the reconsideration line, none of which apparently mattered: My credit score is 750 and has been nothing but inclining ever since I established my history I exclusively use my credit cards to pay, not my debit card I pay off my balances in full, semi-monthly I regularly use my American Express for most purchases as of recently, which has had its limit increased up to 10,000 from the initial 4,000 I already have 2 Chase cards Freedom and Amazon, one of which has been increased in its limit I used my Chase Freedom exclusively over the summer for fooddining I use my Chase Amazon for all Amazon purchases I have a Discover card thats limit has been increased but I do not use as it matches the 5 Freedom card I have put probably close to 10,000-15,000 on my credit cards collectively this yearSo what gives? I dont know what I could do differently.I told him all of this and he said: No sorry, we can see everything and it just doesnt look like you use your cards enough, especially with Chase. After I spent 700 on one Chase card for Christmas alone.Assistant: What is your annual income? Thats the likely answer here.Human: 30,000 as I am a student. Why wouldnt they tell me thats why then?  <response>: Its only one of the factors, and they dont tell you because they dont legally have to and would prefer not to disclose the exact criteria for their cards.You are not the kind of person they want carrying this card. To be quite honest, it cheapens the brand that they are trying to promote as an upscale card to have college students carrying it around.Based on your other comments it also appear that you have just opened a lot of cards in a short amount of time with little to no previous credit history. 