Improve Your Chance of a Credit Card Approval

Improve Chance of Credit Card ApprovalReady to apply for a credit card, but worried about being denied? If you’ve made some mistakes in the past, have a limited credit history or are completely unsure about your overall credit situation, it can be difficult to choose the right offer. Every time you apply for a credit card and get turned down it will have a negative impact on your credit score. Too many denials over a short period of time could severely limit your ability to borrow and make your situation even worse. Luckily, there are some simple things you can do to improve your chances of being approved. Some credit card issuers will even provide you with the opportunity to get ‘pre-qualified’, without negatively affecting your credit rating. Continue

Credit Card Options for Teenagers & Students

first-credit-card-optionsAs a participant on numerous credit-related forums and Q & A boards, I constantly answer questions from teenagers and students about applying for their first credit card. The overwhelming majority are unsure about how old they need to be, what they need to qualify and what options are available to help them build their credit. First of all, let me preface this article by stating that YOU SHOULD NOT APPLY FOR A CREDIT CARD until you’re ready to handle the responsibility of good financial management. Even if you can qualify for a credit card, it doesn’t mean that you should get one or that you’re ready to borrow money, manage payments and take on debt. If you think you’re actually ready for the challenge of managing your first credit card, here are some things you need to know. Continue

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