I want to apply for my first MasterCard. How do they decide whether to approve me or not?
Answered on Wednesday, August 4th, 2010 by
Updated: August 4th, 2010
James Williams
The content is accurate at the time of publication and is subject to change.

Credit card approval policies vary depending on the issuing financial institution. Among other things considered by the bank are your credit history and employment. Most of credit card companies rely on data they pull from credit bureaus. After you complete and submit your application, the issuing company sends a request to a credit reporting agency for your credit report, reviews your credit history, and makes the decision whether to approve you for a credit card or not. MasterCard does not issue cards directly; the decision will be made by the issuing bank. To find a card best matching your needs and habits, visit MasterCard Credit Cards page of our site, search by your credit history or a desirable feature.

All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

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