 TITLE: How to Get a Credit Card if You Don’t Have a Credit History CONTENT: What to Do if You're Denied for a Credit Card\n---------------------------------------------\nIf you're denied for a credit card, look out for a letter from the lender. Under the Fair Credit Reporting Act, lenders are required to tell you why they turned down your application in what's called an adverse action letter. You also have a right to a free credit report from the credit bureau the lender used to evaluate your credit. To get your free credit report from Experian, go to our Denied Credit page. The information in that letter can help you identify areas to work on to build your credit.\nYou can also call the lender directly and ask a specialist for more insight into the denial. If you believe you have a case for being approved, you may be able to ask the specialist to reconsider the decision.\nBarring a reversal, remember that there are other options for building credit, such as becoming an authorized user or opening a credit-builder loan. Experian Boost™† can also help you by pulling in data from on-time payments on your utilities, phone and even streaming services such as Disney+™, HBO Max™, Hulu™ and Netflix® to increase your credit scores powered by Experian.\nMonitoring your credit and knowing the types of activities that may appear on your report is key, because you want to make sure all the data is accurate. Even if you're denied for a credit card right now, seeking out opportunities to demonstrate responsibility and reliability can go a long way toward helping you qualify for quality cards in the future. END