I was denied credit card after changing jobs. I did have some student debt, but small amount on small payment and rates were low. Also had other credit card but

I was denied credit card after changing jobs. I did have some student debt, but small amount on small payment and rates were low. Also had other credit card but not high limit. Nothing in negative credit history. Did get the same card a few months later after probationary period. But yeah even without significant existing debt you can get denied in Europe.