Your credit is poor. Possibly you’ve a string of unpaid bills lingering your past. Perhaps you affirmed bankruptcy within the last ten years, or defaulted on a student loan. All of the above can chunk your access to get a main credit card, like MasterCard or Visa.

But bad credit is not the only cause you can be rejected by a main credit card. Some folks merely have never utilized credit. Folks who wish to pay cash only, have never funded a car, taken out a college loan, or a mortgage might have zero experience with credit. In that instance, many card firms will deny your application, not because you’ve bad credit -- but because you’ve no credit rating.

Most women who wed young and do all their withdrawing under their partner’s name frequently find themselves with no credit rating after they’re divorced or widowed. Thousands of women have been rejected loans and credit cards on that basis.

Still other folks carry too much debt to be considered a good risk. If you’ve a car loan, a mortgage loan, a student loan two or three -- out cards, you are improbable to be approved another credit card.

But in any and all of the mentioned cases, you can still get a credit card. No matter how bad your credit, and even if you’ve affirmed bankruptcy, you can still be granted a MasterCard or Visa with a limit as high as $5,000, if you know the correct company to call, and how to formulate your application.