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Reasons You Can Be Denied a Credit Card

Reasons You Can Be Denied a Credit Card
If you've been denied for a credit card, it's important to know why. perhaps it was an issue on your end, or maybe it was simply due to an error. Once you narrow down the reason, you can take the right steps for a better outcome, says Leslie Tayne, a debt resolution attorney and founder and managing director of Tayne Law Group.

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You probably know that if you have bad credit, you may not be approved for cards designed for good or excellent credit. But even if you have good credit, there are several reasons why your credit card application could be rejected.

High balances. If you're carrying high balances on loans or other credit cards, you could be denied for another card. "If creditors see high balances, they may believe that you will not pay off this credit card," says Tayne.

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That's because creditors look at your credit utilization ratio when evaluating your application. The ratio measures your total outstanding debt in relation to your total available credit. For example, if you have a credit card with a $1,000 limit and your balance is $500, your credit utilization ratio is 50 percent. Though there's no one right number, it's recommended that you maintain a ratio of less than 30 percent.

Too many credit cards or inquiries. Even if you maintain low balances, you could still be denied if you've opened too many accounts within a short period. The same goes for having applied for credit too many times, even if you weren't approved, since too many hard inquiries can ding your credit. "Having too many open credit cards or credit inquiries is also a red flag for creditors. This tells them that you may rely too heavily on credit," says Tayne.

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Not everyone is impacted by credit inquiries in the same way. Though a single credit inquiry usually has a minimal – sometimes nonexistent – effect on your credit, someone with poor credit or no credit at all could be impacted more negatively than someone with a lengthy credit history and high credit score.

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