You are provided with the following cases, will you reject or approve the loan application? Provide your explanation briefly.

Case $1.$ Kiri is a Monash student and $17$ years old. She has applied for a credit card with a limit of $$1000$ for buying textbooks.

Case $2.$ John is $45$ years old, and he owns a $$1$ million house located in Melbourne. He is applying for a credit card with a limit of $$40,000$ to finance his day$-$to$-$day expenses from CBA. He is unemployed now but can offer his house as security. The loan application is $100\%$ secured.