This is the second time I’ve been turned down for a credit card in a month. I don’t know what I’m doing wrong.Have you checked your credit report recently? Maybe you have a bad credit rating.I have a full-time job with a good income, which they can easily verify, and I don’t have any outstanding debt, so what could be the problem?Have you had a credit card before?Yes.Did you always make your payments on time?Well, no.Then that may be your answer. Your payment history makes a big difference with the credit bureau. If you’ve missed payments or been late, that’s a big strike against you.You mean if I were late a few times, I wouldn’t be able to get another credit card?A few times? How many times?Well, maybe a lot of times.And why do you need another credit card if you already have one?
