If you’re looking to get a credit card but are worried about your credit, there are some tips that you can follow to improve your chances of getting approved. First, take stock of your current situation and determine which kind of card will best suit your needs. You can also check on the status of your application by calling the credit card issuer’s phone number aka mercury card. Upon receiving a decision, you will be sent a letter or email that tells you whether you’ve been approved. If your application has been declined, you can call the reconsideration line and make a case for yourself.
Another way to apply for a credit card is to visit the company’s physical location and ask questions in person. The advantage of going to the office is that you can ask questions in real time. You can also apply by phone, but this method is only available during business hours. Furthermore, you may have to wait on hold while the application is reviewed. As a result, applying online is recommended. However, many people prefer visiting a store or applying in person.
Once you’re approved, use the credit card responsibly. Make sure you’re using no more than 30% of your credit limit and pay your bills in full each month. Before applying for a new card, do your research. Look at the interest rate and other basic information on each card. This way, you’ll be able to find the right one for you. Aim for a card with a higher credit limit than you’ve applied for.