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marcychella

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when applying for a credit card is approval based on employment or credit score?

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Generally, by credit score.

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it is based on both depending on what credit card your trying to obtain.. if your going for a secured credit card it is mostly looking at your credit score. but if your going to a unsecured credit card with a high credit amount then the credit agency will look into all aspects as to how you can afford to make such payments and whats the best option for you if they have other available credit card offers, your income will more then likely have just as much impact in obtaining an unsecured credit card as well as your credit score and your credit history... keep in mind that when looking into a line of credit or any loan amount the credit card company or any agency that you go through may have underwriters who work solely in determining your credit worthiness and they are the ones who will or will not approve you. so be very careful as to who you run your credit check to obtain any sort of credit line or loan. 

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btw you don't want to keep running applications just to get approved, the more hard inquiries you have on your report the more the underwriters will stray away from you. to them it looks like your in desperation in obtaining a loan and that does not look good on your credit file. 

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