A lot of people do have a credit card these days. This may make you think that it’s fairly simply to apply for one and be approved. But here’s something you must know.

Issuers of Credit Cards are considering criteria for different applicants and for what type of card is applied.

Increasing Your Chances of Approval

Knowing these criteria boost your odds of securing an approval and own a credit card.

First things first, in order for you to qualify, you must be of legal age. Depending on your country, it may be 18 or 21 years old. At the same time, you must present a steady income stream if you like higher chances of approval.

Building Your Credit

If you think it ends there, you’re wrong. It is due to the reason that you should have established good credit history too. Basically, having higher credit score means that your chances of being approved would be high as well. Your credit score is built from past loans. Credit card issuers would check how you handle the repayments and everything that go in between the duration of the loan.

There are credit card issuers that are approving applicants with untarnished credit report while others make approval so long as your late payments are not in the past 24 months.

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