Just applied for my first credit card: got denied

Dd you forget to tell them you are an important poster on the Money Talk Board?

Try through your bank.

Thanks for the advice, I think getting rejected for one made me realize I don't need their services in the first place.

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I don't need their services in the first place.

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The good thing about credit cards, is that it isn't your money if someone steals the card. You can dispute the charges with no real loss. If someone gets direct access to your bank account you could be in real trouble. Obviously most banks have rules to reimburse but they aren't as lenient.

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Just applied for my first credit card: got denied
AMEX

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Dumbass


Dude, No way in hell should you have applied for an AMEX as your FIRST card.

I've had my fair share of CC rejections, even on the applications that I get from Capitol One in the mail. Finally had to be made a joint-account holder in one of my parents old CCs and then they left the account.

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Obviously most banks have rules to reimburse but they aren't as lenient.

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Clarify. The "rules" regarding unauthorized credit card use and checks that are not properly payable are established by the legislature.

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Clarify. The "rules" regarding unauthorized credit card use and checks that are not properly payable are established by the legislature.

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$50 liability on credit cards and $500 liability on debit cards.

Most CCs/Banks waive these when you have a serious complaint for the sake of good business, but legally those are options they can hold against the cardholder.

There was a story a few years ago about a guy who got so many credit card applications that he filled one out for his dog. It was approved.

I have no idea what that is. Gave up network TV 35 years ago. They obviously got the idea from the true story and wrote it into the script.

Here's an even better true story along the same lines. Some really smart HS kids in Houston back in the late 60s went to the office during summer and picked up a 'new student' application form.

They filled it out as a fictional student. Name, address, phone, parents were all bogus. They wanted to see if a non-student could be found out in a school of 3,000 kids.

There were kids in on the scheme in each class the non-student scheduled. There was also a student who acted as the parent when his phone number was called.

When the teacher called roll the kid was always absent. When the office called 'home' the student posing as parent would say "He's on vacation" or "He's sick" or "His grandmother died."

The ruse worked until the first grading period. His report card had 3 F's, 2 D's and a C.