Credit cards


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Well-Known Member
Feb 16, 2009
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why is it so hard to get a credit card? i have applied for a few and been turned down for each one. is there any reason in particular that they refuse you for straight away?

Applying for lots of credit from different companies in succession can make things worse for your credit rating though, especially if you get lots of rejections, as every successive company you apply for credit with is going to wonder why everyone else rejected you before...
My friend got divorced couldnt get a credit card because of her circumstances but managed to get a barclay card one - im not sure what its called but its like a first credit card as far as im aware she still uses it. It was a couple of years ago now though.
Hi there, Ruth is right, the more you apply for, the more it affects your 'rating'. The card company assesses your income and expenditure, and allows credit to a certain proportion of your 'disposable' income..that is what's left after all your bills are paid. They will also take into account whether you are paying your other credit bills on time, phone contract, bank loan etc and also the same for people who live at your address. The credit crunch has also made banks a bit fussier who they lend to, and how much. If you go for one that advertises in the paper,for example, chances are they may give you one, but the available credit may be low and the interest rate will be horrendous.(You just need to be aware of this) Hope this helps..(I worked in a bank in a previous life...!)
Also, the law says you need to be over 18 to get credit...not sure how old you are, sorry ....
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If you are getting rejected then you dont have a high enough rating for whatever reason to get a card.

The more times you apply for credit it goes against you. As does any late payments, missed payments, if you have lots of other credit and if you have recently moved or your income isnt high enough.

Some big banks do offer cards that are specifically made for people with a lower rating. You lose out on features and the interest rates will probably be higher but if you really need credit to use they are worth a shot.

If you dont need credit to 'borrow' as such but just want to have a card to use, you could consider a pre paid credit card, that you load up with cash and can use wherever you can use credit cards and can take the cash out at an atm.

Also, if you honestly can see no reason why you could have been rejected then do make sure to CHECK your credit report to make sure theres been no identity theft in the past that could have resulted in a decline.

If you have had any of the above issues tho, these days its not suprising they would have said no. You have to be a model payer these days to get anything from the bank.

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