<prompt> Human: For months capital one has been sending me a credit card application saying they would approve me if I fill it out. The credit card seemed to be a pretty good deal when I read all the information about it. Im 23 and I do not currently have a credit card, though Ive had one in the past. I figured i should get another credit card to boost my credit score. Couldnt hurt. I finally signed up for the card and I got denied, yet they still keep sending me more and more applications month after month.Does anyone know why they could be doing this?  <response>: Credit card mailers are a marketing process, in which theyre not privileged to your credit report when they send it out. When you apply, the department responsible for making the decision will pull your credit report and analyze whether or not youll be a good candidate to receive credit.Its a common case of the left hand not talking with the right. May I ask which card youre applying for? You may have a higher chance of getting a card that has an annual fee or is secured.Also look into the factors that may or may not make you a viable candidate to receive credit.Age is just a number, so thats not the reason why. Do you currently have any loans youre paying off? And are you paying utilities that are in your name? If yes to one or both, make sure payments on anything in your name is timely. Typically if the utility company required your SSN to sign you up, theyre reporting on credit too. If no to both, you may have a stale credit report and might have to do the annual feesecured thing.If youre in a roomate situation, talk with them to see about getting a utility put in your name so you can use that to build credit. 