Increase Your Odds of a Credit Card Approval


You’ve filled out the credit card application and your breath is held now – will they approve you? It doesn’t matter how many cards I’ve applied for, I still love/hate the anticipation of finding out if I am instantly approved! Here are some things you can do to increase your odds of a credit card approval.


Credit Card Score Near 700

I’m not a financial advisor and I’m sure there are stories of people with credit scores under 700 who are approved for credit cards. However, to increase your odds of a credit card approval, work at increasing your scores to be higher. Pay on time, pay in full, and use your credit card for normal everyday spending. Having a credit card does not mean you can go out and buy whatever you want. You can make progress on a good credit score by keeping your spending in check. Sign up for a free account on Credit Karma to keep track of your credit score.


Check Applications for Errors

Be sure and fill out your applications correctly. A hurried application with a typo can definitely cause a rejection. Because I handle a lot of my husband’s financials, too, I once incorrectly put his social security information on my application. Oops! I received a denial on that application.  When I called the reconsideration line to see the problem, they reviewed my information, and I realized what I had done. They were great about changing it and approving me.


hands typing on computer on table

Fill out application forms carefully to avoid errors.

Know your 5/24 Status

If you are applying for a Chase credit card and don’t know your Chase 5/24 status, you could be confused about a denial. Make sure you are not over 5/24 if you apply for Chase cards. We use TravelFreely to help us keep track of our status.


Consider Different Credit Cards

Some credit cards are harder to get approved for than other cards. If you have been turned down by Chase, try out American Express credit cards. You can increase your odds of a credit card approval if you move on to another issuer if one has denied you. There are so many issuers. Here are some:

  • Chase
  • American Express
  • CitiBank
  • Bank of America
  • Barclay’s
  • Capital One
  • Wells Fargo
  • US BankCorp
  • Discover
  • Synchrony

Reconsideration Lines

Everyone gets a denial at some point. It is key not just to accept it and give up. Always call a reconsideration line. There are so many times that there is just a small reason that you are denied. A simple call can often clear things up, and you can get approved after all.

Doctor of Credit offers a list of reconsideration lines. When you call, you can say something like this, “Hello. Recently, I applied for your credit card (name it) and was surprised that I was denied (or not immediately approved). I was hoping I could get more information on why this happened and maybe have the decision reconsidered.”

I have had a few denials and have had all, but one of the decisions reversed when I called them. It is such an easy fix in so many cases.


Two girls sitting at table and one is talking on her phone.

Always call the reconsideration line if you get a denial.

Bottom Line

You can increase your credit card approval odds by following some of these simple steps. Always remember to call the reconsideration line if you are denied for a credit card because you just might get that approval after all!


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Editorial Note: The editorial content on this site is not provided by credit card issuer. All opinions, reviews, and recommendations are expressed by the author, not the credit card issuer.