2. Missing Information In The Application

If you hastily complete your credit card application, you may inadvertently skip a few boxes. Credit card companies require detailed information about you, such as your full name, your address, and your income. If you omit important information from your application, the credit card company will deny your request, in which case, you have to reapply.

To ensure you do not make this mistake, apply for a credit card online. While you can easily send off an incomplete paper application, online forms do not submit your request until you’ve complete all required fields.

3. You Don’t Earn Much

Credit card applications invariably ask about annual income. Credit card issuers have minimum income requirements, but they don’t always disclose them on the credit card applications. This minimum varies between cards and issuers, and if you don’t meet the minimum, your application will be denied.

In this case, you must wait until your income increases and then reapply. You can also reapply with a joint applicant, in which the credit card company determines approval based on your combined income. To avoid this headache, shop around and compare different credit card offers. Call credit card companies directly and inquire about the minimum income for approval.