If I apply for a card and get denied, will this go... - General FAQ

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Credit Card Applications » Questions » FAQs » General » If I apply for a card and get denied, will this go against my credit rating?

If I apply for a card and get denied, will this go against my credit rating?

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A single credit card application won’t hurt your credit score much. But if you apply for multiple cards within a short period of time, that may ruin your score significantly. Your credit score may be affected because every time you apply for a credit card or a loan, the lender reviews your credit report. This is known as a hard inquiry. They may stay in your credit report for up to two years. The more inquiries you have on your credit report, the more risky you are considered. Also, people with a short credit history and a low credit score risk the greatest impact from inquiries.

All credit cards terms, fees and rates mentioned in this article/post are actual on the posting date. See the current products’ Terms & Conditions on the issuing banks' websites.
  • charmstar

    im looking for some credit to use at a plastic surgeons facility my credit isnt good as i was young and stupid, my husbands is fine he owns everything in his name me nothing so my quenstion is where can i get a loan for use of a lifestyle lift and not just to go shopping on?

    • CreditLandCom

      Know your credit score first. Then use our credit card navigator to find a card for you. Note that with bad credit history you may not be extended a high credit line. It may not be enough for surgeries, but quite enough if you use it to raise your credit score.

      • charmstar

        ok im out ofluck thanks

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