FlyerTalk Forums - View Single Post - Avoiding rejection when applying for CC
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Old Apr 9, 2015 | 1:27 pm
  #11  
slider34
10 Years on Site
 
Join Date: Dec 2010
Posts: 353
Originally Posted by mia
A credit card rejection has no effect on your credit score. When you apply for credit the issuer checks your credit report and score. This is called an inquiry. An inquiry will temporarily lower your score by a small amount. If your application is approved, a new account will be reported to the credit bureaus. This may lower or raise your score, depending on your specific circumstances. If the application is not approved, nothing is reported, and your score is unchanged.
I have never thought this to be the case. I think a credit pull and rejection counts the same as an approval and with no new credit line, actually hurts your score.
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