A capturable code for automatically formatting and addressing a text message to apply for an offer is disclosed. The method interacting with, via a mobile device of a user, a capturable code and automatically generating a text message on the mobile device in response to the interaction. The automatic generation automatically provides an address for the text message, and automatically formats the text message. Providing, at the mobile device and into the text message, at least one device identifier (ID) for the mobile device and a user identifier (ID). Sending, via the mobile device, the text message to the address. Receiving, at the mobile device, a prepopulated form, which is prefilled with user specific information. Verifying, at the mobile device, the user specific information. Receiving, at the mobile device and upon a credit approval, a new credit account in a ready-to-use format.