 TITLE: What Is the Easiest Credit Card to Get With Fair Credit? CONTENT: What to Do if You're Denied for a Credit Card\n---------------------------------------------\nCredit card issuers generally check your credit before approving you for a card, and each credit check can lead to a hard inquiry, which could hurt your credit scores a little. With this in mind, you don't necessarily want to keep submitting new applications if your first one is denied. Instead, one of the first steps you might want to take is to call the card issuer and ask if there's anything you can do to help resolve the issue.\nFor example, if the card issuer couldn't access your credit report because your credit was frozen, you might get approved after temporarily lifting the freeze. Or, perhaps you have other credit cards from the same company and there's a limit on the amount of credit they're willing to extend to you. In this case, you may be able to work with the card issuer to reduce your available credit on your existing cards and make way for the new card.\nWhen there's no recourse, you could focus on improving your creditworthiness before applying for a new card.\nIf your credit score impacted the decision, the credit card issuer must send you an adverse action letter. The letter should tell you about your right to request a free copy of your credit report within 60 days of an adverse action. You can check your Experian credit report online.\nThe adverse action letter will also show you which credit score the lender used to make the decision and list four to five credit score risk factors. These are the primary reasons—in order—that your credit score wasn't higher. From there, you could take steps to improve your credit. END