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Danny1058

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Credit card Denial?
I have a 627 TransUnion and 561 Equifax I want to applied for a credit card, if denied would this affect my credit score? Or make it more difficult in the future for applying for the same or new card?

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You are not penalized for being denied for a card, but you are penalized for the "Hard Inquiry". More than credit scores go into it, your credit profile among other things will be considered in a lender's decision. Read the reviews for the card that you want to apply for to get an idea as to if you could be approved or not. Many credit card companies have preapproval links on their sites that you can check. You may want check into getting a Secured card for now to help you build or rebuild credit before applying for unsecured cards.

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