<prompt> Human: Hi all,I am a recent graduate and have been building credit score. I have a 719 right now.The cards I own are BoA cash rewards and Discover card. I want to start getting new cards but I get declined everywhere, despite having assets of 50k and a relatively high annual income.Can you explain why this is?? Ive had my credit score for 2 months. Both months yielded me a 719.I even get declined from Chase freedom, which my gf got without a credit score as her beginner card..Help pls I need to earn rewards :P  <response>: If youve only had credit history for 2 months youre applying for cards waaay to fast. You also have a thin file along with the many hard pulls. That influences the credit card decision and its why youre being declined. 