<prompt> Human: A little background, Im a undergraduate college student going into my fourth year and as such I though it was time to apply for a credit card to build my credit further. I keep track of my credit score and before looking into cards checked my Equifax and Transunion to get an idea of the cards I should be looking at. They were 659 and 642, respectively. So I checked out some cards and found one marketed to students, the Capital One Journey mastercard. I checked the credit range and recommended range on two different sites were about 630 to 680. So I applied.. and was rejected. I was quite surprised and disappointed. But I figured maybe there was something they didnt like. So I then went with my back-up which was the Capital One Secured Card, which had a recommended credit range from about 330 to 630, so I figured I was good on that one... but I also got rejected. I cannot understand why I got rejected from both of these. Any ideas? Supposedly Capital One is sending me an explanation in the mail. But any ideas as to why this happened would be nice.  <response>: Since youre an undergrad its probably because you dont have any income or a high enough income. There are entry level cards like Discover it that you will be able to get. When I was in college the same thing happened to me and I was able to get the Discover card. Other providers have options that are marketed towards students without a set income as well, Id look into getting whatever one of those you want in order to build your credit, worked out just fine for me 