My credit card application was declined. Now what? | Question of the Week Ep03 | 5-17-26

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Caroline Yoder
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My credit card application was declined. Now what?

We get this kind of question a lot. And the truth is, credit card application strategies may vary by bank.

For example, you can read our Complete Guide to credit card application rules (by bank) here. Let’s say you have a letter that says there were too many new accounts, too much available credit, not enough usage of existing credit, etc. Then what? Don’t forget that you can always call and ask for reconsideration…

Watch the full episode below, or listen on your favorite podcast platform. You can click the timestamps below to navigate directly to a specific part of the episode within YouTube. For a transcript of this episode, click “Watch on Youtube” on the video below, then click the “…more” link in the video description. This will expand full video details. Scrolling down past the timestamps and chapters, you’ll see a “Show Transcript” button. If you’re an Apple Podcast listener, you can touch and hold a podcast episode to reveal an option to view a transcript.

Watch here:

Or listen here (or click “Follow” on the player below to select your preferred podcast app instead):

We’ve been answering a reader or listener question at the end of each Frequent Miler on the Air podcast episode. Now, we’ve turned the question of the week into its own weekly episode. Tune in every Monday at 5pm for our Question of the Week podcast. And if you have your own question you’d like to submit, you can send it to mailbag@frequentmiler.com.

Want to learn more about miles and points? Subscribe to email updates or check out our podcast on your favorite podcast platform.
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Caroline Yoder
Caroline Yoder
Carrie Yoder spent more than 5 years as a digital nomad, traveling to 70 countries and working behind the scenes with Drew Macomber to help build and manage the popular points and miles travel blog, "Travel Is Free". Now she uses the content management, digital media, and design skills she learned then with Frequent Miler.

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1990

I’ve been LOL/24 for a while, but am working towards basically 0/24 so that I can finally get pre-approved for C1VX. Wish they didn’t pull from all three bureaus, too. What a pain!

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Matt

It’s my understanding that you can often freeze one of the credit bureaus so the hard inquiry is reduced. Do a little Reddit sleuthing and see what you can find?

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