5 Credit Card Application Tips That Will Make You Feel Confident

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5 Credit Card Application Tips That Will Make You Feel Confident

Emily5 Credit Card Application Tips That Will Make You Feel ConfidentMillion Mile Secrets Team

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Applying for a new credit card can be scary.  The thought of not getting approved may flash in your mind, with nightmares about a dire credit score ruining your life.  But applying for a new credit card doesn’t have to be scary!  The best travel credit cards have saved me and my family thousands of dollars in the past year alone.  And my credit score has improved over the years!  Here are some of the best travel credit cards that you might be missing out on:

We’re sharing 5 credit card application tips that will make you feel more confident when applying for the best travel credit cards!

I’m Sharing Credit Card Application Tips So You’ll Feel More Confident When Applying

Our Top 5 Credit Card Application Tips

1.   Check your credit score

If you have a credit score of at least 720, you’ll have a better chance of getting approved for the best credit card offers.  There are lots of free websites where you can get your credit score.  We recommend getting a free copy of your credit report once a year for a detailed look into your accounts.  I usually check my credit every ~3 to 4 months to make sure everything looks good.

If you don’t have a credit score of at least 700, then consider applying for the Capital One Secured Mastercard which can help build your credit.  Put a small recurring charge on the credit card and pay it off in full each month.

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2.   Strategize your minimum spending

The best credit card offers have a minimum spending requirement you’ll need to meet.  Those requirements are usually ~$3,000 to $5,000 in a 3 to 5 month time frame.  So it’s important to plan ahead a little bit to ensure you can hit the minimum spending requirements.

If you have a large purchase to make, it can be a great time to apply for a new credit card!  If you need ideas, check out How to Meet Credit Card Minimum Spend – 40 Powerful Ways!  Just be sure you can pay off the bill in full when it’s due, because you don’t want to pay interest fees.

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3.   Know which credit card to get

There are so many credit cards out there that it can be confusing to know which one to get.  I always recommend the Chase Sapphire Preferred® Card for people who are new to the miles and points hobby and are getting their feet wet.  I had this Chase credit card when I first started earning credit card rewards points for travel!

The Chase Sapphire Preferred® Card is great because the 50,000 Chase Ultimate Rewards points you can earn after you spend $4,000 on purchases in the first 3 months from account opening can be easily be redeemed for:

  • Flights on Southwest Airlines and United Airlines.  I found one-way flights on Southwest for ~6,000 points!  Check where you’d like to fly and see how many points you need.  Use Southwest Airlines’ low fare calendar to get the cheapest prices.
  • Hotels at Hyatt.  I recently booked a super fancy all-inclusive hotel stay at the Hyatt Ziva in Los Cabos, Mexico for just 20,000 points per night.  That means you can get 2 nights free with just 1 credit card!
  • Travel via the Chase Ultimate Rewards portal, which is powered by Expedia.  This is the easiest way to use your points!

I love the flexibility of this credit card!  Another excellent benefit of the Chase Sapphire Preferred is that you will earn 2X points per $1 spent on travel and dining purchases.

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4.    Lower your credit utilization ratio

If you already have credit card balances, it’s better to pay off your existing debt before applying for a new credit card.  Having a high debt utilization ratio negatively impacts your credit score and reduces the chance that you’ll get approved.   For example, it’s much better if you have a credit limit of $10,000 and only be using ~$1,000 of the available credit, than to have a credit limit of $10,000 and be using $5,000.  To calculate your ratio, divide the total you owe on your credit cards by the total credit limits.

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Having a Low Credit Utilization Ratio Can Help You Maintain an Excellent Credit Score

5.   If you’re denied, contact the credit card reconsideration department

If you’re initially denied after applying for your credit card, then contact the credit card reconsideration department.  Many times, they need to clarify information before approving you for the credit card.  Be friendly and explain why you want the card.  If you’ve experienced financial mistakes in the past, be truthful about those mistakes and how you are working on rebuilding your credit.

You can also mention your long relationship that you’ve had with the credit card issuer (if you have one).  Issuers can’t approve everyone who calls the reconsideration line, but the customer service agents do try to help get you approved.  For example, my mom initially got denied for the Chase Sapphire Preferred® Card but called the Chase reconsideration line and got approved!

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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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My husband and I are trying to find a credit card to do a balance transfer on but out credit scores aren’t quite to 700 yet. Any advice?

Author

Hi Kimberly, You could try the Capital One Quicksilver Cash credit card. https://millionmilesecrets.com/reviews/capital-one-quicksilver/

Oh and discover offers a pre-qualify page that doesn’t affect your score

Try discover…. once your card holder they continue to offer you balance transfer options and our score was not at 700 when we got approved

Armando tobias jr.

Will I be able to get approved with the score of 714 for chase preferred credit card

Hi Armando – there are many factors the bank will review in addition to your credit score. But I know folks with a credit score around 700 that have been approved for the card.

Armando tobias jr.

Will I be approved for chase sapphire credit card withers the credit score of 714