Whenever you make an application for a credit card, you must be prepared for the eventuality that your credit card application may be denied. In order to lessen the risk of being taken by surprise by a credit application denied you should view your credit history and your credit score before making the application. If you can understand your credit rating and the information present in your credit report you will have a better idea of how your application stands in the viewpoint of the creditor. It will help even more if you can find out from the creditor which credit bureau and credit report he uses. If you want to view your credit score than you can also ask your creditor which credit scores uses the process of application approval as there are more than one credit scores being used a different creditors today.
Whenever you make an application for a credit card try and determine that there is as less negative history on your credit report concerning late payments, delinquent credit card accounts and collection accounts.
No creditor reviews information pertaining to bad payment history in a credit report favorably. This is why you should try and stay current on all your credit payments. One single negative item on your credit report can result in the creditor denying your application for a credit card. Although it should be mentioned that’s the older the information is the less impact it will have on your credit rating as well as on the decision of the lender.