Credit Scores Are a Joke 

"How to Overcome the Fear of Rejection
  When Applying for a Credit Card..."

Just because your application for credit cards has been rejected in the past don't let that get your goat.

..........Don't get down on the system and think credit scores are a joke!

The truth is that rejection could easily be avoided if you had just understood that you were applying for the wrong credit card with the wrong company.

Don't fool yourself into thinking that only squeaky clean credit records and plenty of money in the bank will guarantee that your application will get quick approval.

Oh sure, those two factors certainly help, but did you know that they are not non-negotiable requirements for all credit cards.

Student Credit Cards

Younger people or those still in school will have better chances of getting their applications approved if they apply for student credit cards.

Yes, I know, student credit cards have lower credit limits and higher interest fees. Just remember those cards are primarily designed to best suit students' needs and lifestyle.

The good news is that requirements to get a student credit card are easier to comply with.

And there are other opportunities.  If you have stinky FICO scores consider prepaid credit cards. Approval is a sure thing with this type of card. You will not have to suffer rejection anxiety, because there will be no credit check and you don't need to have a bank account.  Oh wow, some companies will issue these cards without requiring a security deposit!

Did you know that prepaid credit cards are good at millions of stores worldwide just like any credit card.  Depending on the credit card company you apply to, you may even be offered a zero percent interest rate during an introductory period.

Student credit cards and prepaid credit cards allow you to establish a reputation of timely bill paying.  That's the secret!  Anyone who extends credit just wants to be sure that you will pay when you credit bill comes due.  If you build a history of paying on time you will become a valuable customer that every credit card company wants to have as a customer.

Credit Tips

Here are some tips to help you become a prized credit card user:

Learn Your Credit Score - There are 3 major credit checking bureaus in the country today, and scores provided by any of them are acceptable.

Credit Repair Firms -- If your FICO score number matches the number of miles per gallon your car gets, consider consulting a credit repair firm to help you organize a plan to improve your credit rating.

Start paying all of your bills ON TIME!

American Express Aeroplan Plus Card -- For a $60 annual fee, this credit card will allow users to enjoy absolutely zero pre-spending limit, 2,500 Aeroplan miles as a welcome bonus and 0% introductory interest fee.

The single most important thing to know about ID theft prevention....

Credit Scores Are a Joke