 TITLE: How to Prequalify for a Credit Card CONTENT: What Happens if I Get Denied for a Credit Card?\n-----------------------------------------------\nMost card issuers can make a decision in a minute or less. If your credit card application is denied, the lender will send you an adverse action letter that details how they reached their decision. The letter should also explain that you can get a free copy of your credit report and the steps to take to obtain it.\nYou can call the lender and ask that they reconsider your application if you still want the card. If you withheld information from the original that may help you get approved, such as additional income, be sure to share that with the representative.\nStill no luck? It may be best to focus on improving your credit before you apply for another credit card. Once your score has improved and you have a better handle on your credit obligations, you can use the screening tools on credit card sites to determine if you can prequalify. END