<prompt> Human: I have one Discover It credit card. It had a cl of 1k but I asked for a credit increase for the first time, and they gave me an additional 1k. My credit score is 748, and Ive never EVER missed a payment and always payed in full. I applied for the Chase Freedom card, and a Bank of America one and I was rejected for both. I applied for a Capital One credit card, but theyre asking for additional info; whats the deal?  <response>: Sounds like you have a thin file, the score is not the only thing that matters, lenders want to see experience 