Avoid Rejection - Know the Score Before You Apply for a Credit Card

Before you go searching for the perfect deal, make sure you are prepared. The most important factor in getting what you want is your credit score. Also known as a FICO score, your credit score is a number in the range of 500 to 800 that tells lenders how safe or risky it will be to lend you money. This translates directly to the interest rate, perks, and credit limit you can get when applying for a credit card.

What is my credit score? If you don't know your credit score, there are several websites that can provide you with a report. Typically the charge is around $15 dollars, and some do it for free. Be careful when choosing a free credit report provider, have you ever heard of the term "nothing is free"? That free report might just cost you a lifetime's worth of spam, so consider this alternative:

Next time you are at the bank, tell them you are applying for a credit card and ask what your score is. You might just get an instant answer that doesn't cost you a thing.

If you do opt for a free online credit report, choose a trusted site like Experian.com

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