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 Many Banks will "Count It Against You", if you have had previous credit with a finance company.  Even if it's good credit!                                                                           4 It generally takes an income of over $35,000 per year toquailify for a prestigous platinum or a gold credit card.                                                                                    0 Banks that are currently advertising, have usually      lowered their requirements. These banks are your "best bet" for a     first time unsecured credit card.                                      0 Most Oil companies do not report to credit agencies. OilCompany Cards will not help your credit rating, but can potentially   damage it.                                                             0 Some states enforce a low-interest ceiling on their bankcredit cards, which makes these cards harder to obtain. If you live inone of these states you may have to apply with an out-of-state bank.   0 There has not been a debtor's prision sentence since theNineteenth century.  You will not go to jail for a civil case,        reguardless of what your bill collector may say.                       0 When you pay a bill, always include a few cents extra.  This will cause some computer systems to upgrade your credit rating   and/or your credit limit.                                              0 You can get "extra" credit from a secured credit card.  Many department stores will automatically give you one of their cards when you show them a major credit card.                                0 Ask specifically why you have been turned down for      credit. Many times it is something that can be easily corrected. For  example, your employmer may not be listed on your credit report.       0 Paying you bills on time does not insure a positive     credit report.  You must create a AAA credit report by having all of  your positive credit added and all negative remarks removed.           0 Beware about listing Stocks, Bonds and other investmentson an application. These are generally not used to get the loan, but  instead will be seized in the event your loan (or card) is not paid.     Welfare, child support, and alimony can all be claimed  as income on an application. Many banks consider welfare to be a very stable form of income.                                                   Some banks send out credit card applications to people  that have just declared Chapter 7 Bankruptcy, because a filer will notbe able to file for another 7 years and they are now debt free.          It's sometimes a wise idea to keep your bank accounts ata different bank than your bank credit card.  If your payments are    behind or disputed, the bank can seize your cash accounts.               If an application ask for monthly income, most people   use their weekly income and multiply it by 4(weeks). A better and moreaccurate way is to multiply your weekly income by 52 and divide by 12.