Apple Card Application

I applied for an Apple Card to hopefully finance a new phone but when I applied it gives me this

• Your monthly debt obligations are too high given your income - examples may include loan or monthly housing payments

Now I’m 18 and I don’t have an debts or obligations. I called the number below the email and they said they would send my report and I checked and I’m good. No one is using my name or anything else it just won’t accept me for this reason of the debt. I called the bank handing those cards and they said once I did figure everything to call them back and apply but once I did again, nothing happened and have me the same reason. What should I do? Again I don’t have credit started nor debt.