Credit Card Denied? Why a Good Score Isn't Enough for Approval

• A strong credit score is crucial, but banks consider income alignment, credit utilization, and application history.
• High credit utilization (over 30%), too many recent applications, or a thin credit history can lead to rejection.
• Mismatched personal details, existing high debts, or no prior bank relationship also impact approval.
• Internal bank policies and changing market conditions can also lead to unexpected denials.
• Reassess your credit use, correct errors, and apply for a card matching your financial profile for better chances.

Why It Matters: Credit card approval depends on more than just your score; income, debt, and application history matter.