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I wanted to know why I keep getting denied for an every credit card I apply for? I have no credit history this would be my 1st credit card. I just wanted to get one or two to build my credit. Can you please help me?

[Friday, November 29th, 2013]

There are different reasons the issuers deny. Most likely you apply for the cards which don’t fit your credit history. If you apply too often (two or more times a month), that can also become a reason to deny. If you open a bank account, you will increase your chances to get a credit card, because some issuers require an active bank account or checking account. Let at least one month to pass since your last application before you apply again. Then consider applying for a secured credit card. Secured cards require a collateral deposit which is usually about $200 but they have lower rates and fees. Your credit limit will be equal to the deposit you pay but the minimum is $200. Your credit activity will be reported to the major credit bureaus monthly. The secured credit cards can be used and are accepted almost everywhere and they act like general credit cards.

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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.

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