Award Travel Series: Getting Approved For Cards after a Denial
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Once you’ve been at this hobby for a while you will begin to amass not only points and miles, but also new accounts and hard inquiries on your credit report. Though each card issuer treats this somewhat differently, it’s inevitable that your ability to open new credit cards will begin to dwindle and you risk getting the dreaded, “thanks but no thanks” response from the bank. Even if you are not denied outright, you may begin to get “application pending” responses where they say you’ll receive a letter in 7-10 business days with their decision. This can be extremely frustrating if you’ve spent a long time choosing a particular card or have a large expense coming up that you were hoping to put on it to help meet the minimum spend and earn a hefty welcome bonus.
However, that’s not always the final word on the matter. Here’s what to do if you do not get instantly approved for a credit card application to help turn the situation around.
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