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Credit Card Approval

Can you enter household income where it says annual income on a credit card application?

Question: Can you enter household income where it says annual income on a credit card application? Answer: Yes, as long as you apply before October 1, 2011. Thanks (or maybe no thanks) to the rules instituted by the Credit CARD Act of 2009, when you apply for a credit card, the card issuer is required to [...]

I have a credit score of 790 and can't seem to get approved for a Capital One card. What do you think the problem is?

Question: I have a credit score of 790 and can't seem to get approved for a Capital One card. What do you think the problem is? Answer: Your credit score is high and you would be considered to have "excellent credit" by most credit card issuers. But obviously, there's something in your application or on your [...]

Do I qualify for a credit card offer?

Answer: Although this is a broad question, I think I can give you a couple of guidelines to help you decide if you can qualify for a card offer. The CARD Act of 2009 requires that you need to be at least twenty-one years of age to qualify for a card unless you can prove that [...]

How do you get approved for a credit card?

Question: How do you get approved for a credit card? Answer: The primary method of getting approved for a credit card or other type of credit is to make sure your credit report and credit score are as good as they can be and then applying for the credit. Before applying for credit or a credit card, [...]

I was told from my lender to obtain a credit card to establish credit; my score right now is low so is there a good card that I could most likely qualify for?

Question: I was told from my lender to obtain a credit card to establish credit; my score right now is low so is there a good card that I could most likely qualify for? I would really rarely use it if that makes a difference. Answer: I would suggest going to CardRatings.com. You can do a [...]

What factors determine the credit limit you get on a new credit card?

Question: What factors determine the credit limit you get on a new credit card? Answer: This is a great question, and the answer is simply that your credit limit is based mostly on your credit score. A couple of important factors a creditor considers are your income and your ability to repay. So not only [...]

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