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hey ,
i was getting a lot of pre approved amex cards ........so i thought of applying one... |
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Date:
August 30, 2007, 4:47 pm |
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hey ,
i was getting a lot of pre approved amex cards ........so i thought of applying one ..but when i applied i was denied ....so i was wondering ..that will it have any effect on my credit histoy |
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Answer:
You should keep in mind that the aim of such invitations is merely promotional. If you get a message that you are pre-approved to obtain a certain card that actually means only that the bank would be glad to provide it to you. However, if you have decided to apply for a credit card, the most significant thing is to choose for which of them to prefer. The first step you should undertake is to assess your credit history and your rating by getting a report. It is recommended that you do it regularly. Learn your current credit score. It will be better if you request the score from each of three credit reporting agencies, such as Equifax, Experian and TransUnion. It is important because the numbers may differ, and the lenders generally look at the lowest score. The credit score is crucial as it helps the lenders to decide whether you qualify for the chosen card or not. Paying attention to the score is extremely important. Unfortunately if you apply for the card you are not eligible for you'll be denied and your history will be damaged. If your current score is below 620 turn to bad credit offers, if it amounts to 620-659 choose among fair credit cards, and if it is above 660 you are eligible for deals for people with good history. After you've chosen the card you need you only have to fill the required application form and submit it online. If you have any questions concerning the choice of cards, we'll gladly try to help you. |
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