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ZingerOnSundays

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U.S. permanent resident since 2013 denied credit card. Is it because of my husband's history?
I've been denied 3 times and I wonder if it's because I don't have steady income since I'm a freelance production worker, or if it's because my husband declared bankruptcy some years ago, before we even met!

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Whenever you apply for credit and are denied; the lender sends a letter within 14 days. stating the reason for declining your loan or line of credit.

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Thank you, mindjazz! No specific reason was stated in the letters received. That was a while back but I remember a vague reason like a an insufficient credit record or low score. Even when I was applying for a secured card. Now I could just apply again but nothing in my personal info will have changed. It would be great to know what exactly will improve my credit score or record.

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It is not due to your husband, it is probably due to insufficient income or poor credit. Do some reading on Secured credit cards, apply with a lender that you may have a good chance of being approved with, check with Capital One, they have a preapproval tool on their website. I would not reapply with the lender that already denied you if nothing has changed, that would be foolish. Make sure that you get a Secured card with a lender that reports to all three credit bureaus. Spend time reading all that you can on how to build and maintain good credit.

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