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Has Your Credit Application Been Denied?

 

Article By Guest Author

Credit Application Denied? Here's the Fix

Being turned down for a credit card can bring on feelings of inadequacy, but it does not necessarily mean the end of your chances for credit. There are many reasons that an application may be denied, some within your grasp to change. So rather than give up the opportunity to use credit, consider several options that may turn denial into approval.

Reapply!

Perhaps the most obvious solution and the most neglected is simply to apply again. Just because one company turns you down, doesn't mean that other lenders won't give you a chance.

If you're denied a second time by the same company, it's time to ask for detailed reasons why your application was rejected. If you've been randomly applying in hopes of being approved, multiple applications may appear to be a move of desperation to lenders. In this case, you should allow several months to pass before reapplying.

Review Credit Reports

If your application was denied because of something on your credit report, you need to request a free copy and review all the details. Inaccuracies and errors need to be addressed and corrected, which may be enough to change an application denial into an approval. After your credit report has been updated, request that the credit card company take another look at your application. In addition, have the credit reporting agencies resend your report to anyone who recently asked to view it.

Negative Personal Behavior

It may take longer to be approved for a credit card when there are unpaid collections, recent delinquencies, high credit card balances or not enough income to make lending to you a reasonable risk. There are two types of cards that may help repair a bad credit history.

For the person who struggles to make ends meet, credit cards are never a good idea. Until your income is sufficient to responsibly manage credit and you can handle a budget stick to cash payments. Let a credit application rejection serve as a wake up call and take the time and put in the effort to improve your financial situation before reapplying.

For additional articles and resources on everything you need to know about credit card offers, please visit ASAPCreditCard.com and check out the best low interest credit cards






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