If you have been declined credit it can be a frustrating experience. Here are three simple steps you can take to find out why and to make improvements to apply in the future.
Do your research carefully before signing up for your new credit card to understand any additional fees and charges, as well as your repayment responsibility.
One of the methods banks can use to increase the use of their financial products such as credit cards is association with a rewards scheme. Can you benefit without your debt stacking up?