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AcclaimVisa.com is an independent, advertising-supported web site. AcclaimVisa.com is compensated by the credit card issuers whose offers appear on our site. This compensation can impact how and where credit products appear on our site, including, for example, the order in which they may appear within product listings. AcclaimVisa.com does not offer, review or present all available credit offers.

Why do I keep getting pre-approved credit card offers and then getting declined even though they know my credit is poor?

[Thursday, March 13th, 2014]

When you are receiving emails or mails with credit offers saying that you are pre-approved or approved, it does not necessary mean that you are approved or will be approved when apply. It is better to avoid applying such offers, because if you apply and get denied too often you can make your credit score go down.

Having bad credit you should apply for a secured credit card. There is a higher possibility to get approved for a secured credit card because it requires a security deposit. The deposit can be around $200 and guarantees you a minimum credit line of $200. When you are approved for a secured credit card, the issuer will give you some time (80-90 days) to pay the deposit. Secured credit cards are reported to the major credit bureaus so you will be able to improve your credit history.

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AcclaimVisa.com is an independent, advertising-supported web site. AcclaimVisa.com is compensated by the credit card issuers whose offers appear on our site. This compensation can impact how and where credit products appear on our site, including, for example, the order in which they may appear within product listings. AcclaimVisa.com does not offer, review or present all available credit offers.

All the credit card information presented without warranty and can change. To confirm the terms and conditions click the "Apply Now!" button and review the current information on a secure credit card terms page. AcclaimVisa.com can be compensated by the credit card issuers when visitors apply for a credit card through this website.

* The acclaimvisa.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. acclaimvisa.com does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click "Apply" for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. All logos on the acclaimvisa.com website are property of their respective owners.