 TITLE: Why You Should Apply for a Credit Card Based on Your Credit Score CONTENT: What to Do if You Get Denied for a Credit Card\n----------------------------------------------\nWhen you don't qualify for a credit card, the issuer is required to provide an adverse action letter informing you why it denied your application. You're also entitled to receive a free copy of your credit report to help you understand the reason for the denial.\nIf you're denied a credit card you really wanted, you can call the issuer and ask that they reconsider. However, you may need to provide additional information that wasn't in your original application, such as additional sources of income or savings.\nThe issuer may turn you down, at which point you need to decide whether to apply for a different card or pause to work on improving your credit score. If you take some time to build your credit, you're more likely to get approved for new accounts in the future or cards with better benefits and terms. Paying all your bills on time and paying down credit card balances are the best places to start, as together they make up 65% of your FICO® Score. END