What to do when your credit card application is denied – Insurence Online

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What to do when your credit card application is denied

September 18, 2025

What to do when your credit card application is denied

You’ve done the research, found the best credit card for your wallet, and filled out your application. So while you hope for a “congrats” email to hit your inbox, receiving a denial letter instead can hurt.

Not only does a credit card rejection mean you won’t get access to the new card, but it can also have a short-term negative impact on your credit.

Here’s how to find out why you were denied and take steps to improve your odds of approval next time — so you don’t rack up hard inquiries on your credit report with no new accounts to show for it.

What to do if your application is denied

After you receive the notice that your credit card application was denied, don’t hesitate to find out why.

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By clicking submit, I authorize Insurence Online and its affiliated companies to: (1) use, sell, and share my information for marketing purposes, including cross-context behavioral advertising, as described in ourTerms of Service and Privacy Policy, (2) supplement the information that I provide with additional information lawfully obtained from other sources, like demographic data from public sources, interests inferred from web page views, or other data relevant to what might interest me, like past purchase or location data, (3) contact me or enable others to contact me by email with offers for goods and services from any category at the email address provided, and (4) retain my information while I am engaging with marketing messages that I receive and for a reasonable amount of time thereafter. I understand I can opt out at any time through an email that I receive, or by clicking here.