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Leonel B | Why every credit card deny my application? |
cause i have ipplied for every single credit card and they always deny it. I have a good job. |
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Deliah
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You are not helping yourself at all by the fact you keep applying. Each app will cost you 7 to 25 points. Get your reports and go over them.
Unless it is a home mortgage or car loan within a certain number of days of each other. |
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fishshogun
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do you have anything on your credit report? both bad credit and no credit can be reasons for denial. dont apply for all of them as you are adding fuel to the fire in reasons for denial.
every time you apply they check your credit and every time someone checks your credit it affects your credit. not in a good way. heres what you do. apply to a dept. store or gas station and see if you can get like a sears card or walmart.
btw you need a checking acct. if you dont have one, get one.
get a debit card. many times they have a visa or master charge attached. use it, and they have what are called guarenteed charges. you have to have like for a $200 savings they give $200 of credit. if you get the dept. store or gas station or guarenteed card then use it carefully. make small purchases you know you can handle and be sure you pay it on time every month and use it every month. then after 6 months of not applying and using the one or two you can get you will have established a line of credit and you will be eligible for a reg card. usually they watch for 6 mos. and if you pay it religously on time they will start raising your limit.
good luck to you |
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sophieb
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when one denies it, then the applications you file after that will be denied too. Did you pay your bills on time? Do you earn over $15,000 a year? How long have you been at your place of employment? How high is your debt? Do you owe student loans? Have you had any overdrafts on your checking account, and if you have done that in the past then have they been cleared up? How long have you lived at the same residence? Why not get a collateralized credit card and treat it right...then later try to get other credit cards.
Maybe someone has used your SS number or something is wrong on your credit report (get a copy of your three credit reports). Or, maybe you don't have a credit report at all on hand. Do you or have you ever owned a home? Was it in foreclosure?
Ok, I'm not asking you for personal info. I'm asking you to merely consider the questions I asked as they may be the reason why you're not getting credit. |
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alexa dion
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The rejection is non existent in case of prepaid credit cards, there are no credit checks, no employment verification, and approval is guaranteed.
With a bit of dilligent shopping and comparision of various prepaid credit card offers, it is not difficult to find a prepaid card with no annual fees, no late payment fees, no repayments, and no penalties whatsoever. So, the ownership costs of a prepaid card can be negligible.
With prepaid cards it is very easy to promote financial discipline. Since you can only spend what you have, there is no overspending, and hence no debts.
Some prepaid cards do report their use to major credit bureaus and hence are a good instrument to rebuild credit history.
Prepaid cards have wide acceptability, and in some cases they are even more readily accepted than credit cards. Apply online for a best prepaid credit card at: http://www.credit-card-gallery.com/PrePaid_Card.html |
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credit analyst
 |
Without viewing a credit report it's difficult to tell. Here a few possible and probable reasons:
1. No credit history.
2. Too many recent inquiries (applications) on your credit file. This will scare a way most credit card company's because it a high risk characteristic.
3. Poor credit, Charge offs, collections, judgments, etc.
Having a good job is just one factor in the decision process when deciding credit worthiness most lenders review the following:
- Stability of residence: homeowners are generally a lower risk. If you move a lot that can affect a lenders decision.
-Credit score, do you pay on time, do you have a lot of recent inquires, open accounts, percentage of credit lines used (are you maxed out)
- Debt burden (how much of your income is already outgoing to other bills)
I would get a copy of your credit bureau report and make sure everything is correct and up to date. Stop applying for credit for a few months, every time you apply it will lower your credit score. |
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amaya7
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Do you have anything really bad in your credit history? It could also be because you have so many inquiries since you've applied for so many cards. |
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H P
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well you need to check your credit report
you never know, maybe you have bad credit without knowing. Like my cousin, he didnt know that there were 3 people using his info and ruined his credit. He found out until he tried to apply for a credit card and was denied. So, he decided to check his credit report and thats how he found out, why.
Another thing, it may be cause you had never gotten some credit before, which make credit companies reluctant to provide a person with a credit card.
I would suggest you to visit
www.equifax.com or www.expirian.com to get your credit report if after doing so and on you report nothing appears that means you havent stablished a credit record |
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tina
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whats your background, do you have a risky job |
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sam k
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i hope this will helps u... |
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