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Old 09-23-2010, 11:23 AM
 
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OK, obvious things aside like if you're way in debt or have a really bad credit history etc etc, is it possible to at least have a reasonably good feel for this, since I've heard if you are turned down for a credit card, that itself can damage your credit rating...assume that you'd take whatever limit the bank considers reasonable and have done business w/the bank for years.

As examples, I have 2 particular cases in mind: my best friend from HS and a sibling. The sibling was out of work a long time but recently re-employed making "good money" and with otherwise a lengthy "good" work history. No debt - but also has owned no credit cards for many years. They confessed an occasional late payment on utilities but otherwise nothing negative. The friend has been gainfully employed for some time but only has one store credit card (JCP I think) which has been used but also admitted to a few late payments, although all were paid.

Sorry I don't know either's credit scores and realize that would be a huge factor - just trying to get a feel for what CC companies (let's assume the "biggies" like Visa, etc) care more or not so much about in general.
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Old 09-23-2010, 11:24 AM
 
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Either the card comes or it doesnt. It's that easy.

Use the annualcreditreport.com website to determine your credit worthiness prior to applying for credit.
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