Credit Guide

What Should You Do if You Get Turned Down for a Credit Card?
Michael Knowles

Card Consolidation Credit Debt So you've gone through the long and terrible process of giving your details, only to find that you got turned down. This can feel a little insulting, like a rejection, especially if you feel like you could easily handle the card in question. So what can you do if it happens?

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Credit Union Try, Try Again
Don't get upset if you're turned down at one company - they might have some strange requirement that you happen not to meet. Always try three different places before you start to despair.

And don' If you have a higher credit score, you can generally negotiate a lower interest rate on credit cards. That's why it's always a good idea to check your credit score before applying for a card. If your score is above 600, you may qualify for a lower interest rate. If you have a low credit score or your credit is not well established, you may be turned down for a credit card or be required to get a secured credit card. A secured credit card requires a cash collateral deposit that becomes the credit line for the account. Almost every secured credit card charges an annual fee, and these fees vary, depending on your credit score.

Merchant Credit Guide Co Whatever you do, though, don't spend a whole day applying for every credit card you can find, just to see if anyone will take you. Each check is counted, and lots of checks on your record make you look desperate, making it even less likely you'll get a good card - this is known as 'shotgunning' your credit.

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Apply Online For Credit Card Get Your Credit Report
Send off to the credit reference agencies to get copies of your credit reports. You can get your credit report from all 3 credit agencies once a your for free. Just go to:

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By Card Credit Debt Debt Guide https://www.annualcreditreport.com/cra/index.jsp

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Credit Repair You can view the reports online or have them mailed to you. There might be something incorrect on there that's making you look bad, and you need to get it corrected if there is. Make sure you do all this in writing, so there are records of it - don't phone up and let them fob you off.

Active Credit Credit Guide Phone the Company
It's not a good idea to always deal with credit card companies by post or on the Internet - you should try to phone them and speak to a real person. This way, you can tell them all your circumstances, make sure everything went through correctly, and question them if you get turned down. If you directly ask why you haven't been accepted, then they usually have to tell you. If you're willing to be pushy, you might even get the decision reverse. If the person you got through to won't budge, then always ask for their supervisor before you hang up.

Credit Score Apply for a Less Prestigious Card
Yes, I know, it sounds bad - but you want a credit card, don't you? Get a high-rate card from the company whose card you want, and then pay it off on time each month. You're building your credit rating. The chances are that you'll be able to persuade the company to replace your card with the lower-rate one after a few months.

Bad Car Credit Guide Loan If you have a very bad credit rating, you might find that you are only offered secured cards. These cards require you to make a cash deposit before you can start using them. It's worth saving up the deposit and using the card for a while, though, as you'll usually be offered a normal card quite quickly, as long as you don't do anything terrible with the secured one.

Bad Credit Loan If that all sounds like too much trouble, then you might like to try a pre-paid credit card. These cards must be loaded with money in advance, but from then on work like a normal credit card - except you don't pay any interest or fees! Well worth it if you only wanted a card for the convenience anyway.

Credit Definition Derivative You can also use a debit card tied directly to your checking account. Just make sure that you post your purchases so you don't bounce a check.

Bad Credit Mortgage Copyright 2005 Michael Knowles
www.freedomisyoursonline.com
You may use this article on your website if you keep my copyright on it or you may link directly to my free reports page at http://www.freedomisyoursonline.com/freereports.html

The Insider Guide To Credit

Business Credit Card I run several websites with lots more in development. My favorite subjects are computers and internet marketing. I also have my own article directory website at http://www.postyourarticles.com. Come by and post your articles at my site for FREE

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