system
A chat on subreddit /r/wallstreetbets
human
There are a lot of people I know who shouldn’t have a credit card or never had a credit card and they were immediately approved. Quite a few  didn’t even have jobs. I wonder why Goldman is losing money with that approach , I can’t seem to figure it out.
gpt
Wow, for me it was hard to get an apple card. I had to build my credit to 700+ before they accepted me. I’m young, and my girlfriend also didn’t get accepted. She had no credit history at the time. Wonder if they started to crack down a bit between 2020 and now