If you are still in a school or a college and want to have a credit card in your own name, then you may find that difficult to get that; as you have no income proof, then there is a great chances of your application for a credit card will be denied by the credit card issuer company.
But most of the college students are not aware about the situation and they come to know about it when they find the denial letter from the credit card issuer company in their mail box. Denied by a credit card company to provide you a credit card is no different than a college denying you to take the admission.
Aware about the Truth
When you get the letter from the credit card issuer company that they are not going to provide you a credit card, then you may think that if you apply for the credit card with any other company then your application will also be rejected. But there are some certain procedures, if you follow them strictly, then you can get a credit card within no time.
Going for the Wrong Ones
Regular credit cards are for those people, who have an already established. As a student you don’t have any credit history, so your application for a credit card is bound to be denied. No matter with how many credit card issuers, you try; you have to face the same kind of situation.
If you are going to a school or college then you should apply for a student credit card, instead of going for a regular one. If you are already out of school but don’t have a credit history; then you should go for a department store card.
Filling the Application Form Wrongly
If you have applied for the credit card by filling up the paper application and mailed the application form to the credit card issuer through the post, then there may be a chance of filling up the form wrongly or leaving any required field vacant.
If you have done any this kind of mistakes at the time of applying for the credit card, then your application form is bound to be rejected.
So, you should choose the online route to apply for the credit card, so that if you made any mistake or leave any field blank, then the server will remind you about the mistake.
If you are not earning anything currently, then no credit card company will risk you to give you a credit card, as you don’t have any means to repay the credit back to the credit card issuer. Despite of constant income, if you are running high on debt, then also the credit card companies will hesitate to provide you a credit card.
So, if you want your application form to be approved, then you should apply for the right kind of credit card after analyzing your credit history.