<prompt> Human: Hey guys. I was looking to get a second credit card mostly for the security but also with a little bit of cash back. What appealed to me most about the Citi Double Cash was the no annual fee and no categories, unlimited cash back. Like the title says, I applied and was denied.Relevant info: FICO credit score: 712 given through Discover statementIncome: 37,000Rent: 675The only accounts I currently have open are Discover and a Kay account that I got when I bought my fiancees engagement ring. The line for Discover is 2,000 and I never carry a balance. The Kay account has a line of 1,600 and I only used it to buy the ring. I owe about 300 on it.So my questions: Why do you think I wasnt approved? Also, I would really like to get a second card so that I can stop using my debit card. I want the security in case my information is stolen. Any suggestions for a card I may be approved for? Thanks in advance for any help.Assistant: What explanation did they give? Your credit score might not be high enough.Human: They said they were sending a paper response with the reason. I was just expecting to be approved and wondered if I was just way off in my expectations or what.  <response>: The paper response will tell you why you werent approved. Alternatively, you can call Citibank and ask them.Every bank has their own underwriting requirements, so nobody here can tell you why you werent approved. Only Citibank can tell you. 