<prompt> Human: I have 730 credit, 3 years of credit with chase, and over 150k of available credit limit yet just got declined for a car lease. with 0 money down 730month payments. Is this a dealers way of asking for money down? Could they be playing games or is this certainly possible?Edit for clarification: The car is a 63k sticker car, and well under our budget. The income placed on the app is 100k but purely interest income. Sorry for the shock in price!  <response>: As a dealer I can answer this.1 Whats your high credit? Whats the most youve ever borrowed or do you just have a few credit cards?2 Your income, if its not from an actual job then this is a big strike against you as you are unemployed.Forgive my language, but you have what we call a bullshit 700. Without previous high credit you are a first time buyer in the eyes of the bank unless you have substantial time on the bureau and even then.On top of that youre on a 60,000 car in all probability And youre showing 100,000 in income.If you are a recent college grad Within 24 months youll get approved no problem but not on a car that pricey unless you have a job making serious money which you dont.You can get approved showing just investment income, with previous high credit and with time on the bureau. I list investment income only when I finance or lease a car but Im also 43 and have financed and leased g-d knows how many cars. 