Why Was My Credit Card Application Denied?
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How to Get a Credit Card
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Last Updated: July 18, 2025
Key Takeaways
- Before you apply for a credit card, understand the factors that affect your credit score.
- Some online credit card applications immediately let you know whether you’re approved.
- If your credit card application for a standard card is denied, you may qualify for a secured credit card.
What Makes Up Your FICO® Score
- 35%Payment History
- 30%Amounts Owed
- 15%Length of
Credit History - 10%Credit Mix
- 10%New Credit
This formula shows how each category impacts FICO® Scores. FICO is a registered
trademark of Fair Isaac Corporation in the United States and other countries.<a class='footnote-link' href="javascript:void(0);" role="link" aria-label="footnote 1" data-scrollto="q1"><sup>1</sup></a>1
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