When your credit card application is denied, it doesnt show up on your credit report. In every case, make sure that you answer questions truthfully. Check balances, transfer funds, or deposit checks from almost anywhere, 24/7. So lots of inquiries potentially signal lots of risk for the card issuer. It may feel nerve-wracking, but there are a few things you can keep in mind that will make the experience less tense. Hey Dianne, unfortunately, credit card approval is still up to the issuer. You fill it out thinking that you're on your way to a new card, only to get the dreaded denial. Please see site below for correct information. Too much stress for this pregnant woman! Hi Donna, You could try calling the main Chase Customer Service line and ask to be transferred to the credit card department. The numbers below are verified customer service phone numbers from banks that offer a reconsideration option. Editorial and user-generated content is not provided, reviewed or endorsed by any company. See how Synchrony Bank helps you bank on your terms. If thats the case, your call is already a success. Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. You can wrap up any formalities and politely end the call. Personal Credit Card Customers: 877-721-9405 Business Credit Card Customers: 800-481-8277 You can also check your Bank of America application status online. Stock up on supplies for entertaining and more with discounts and special offers from Synchrony retail partners. It may help to write down some answers in response to the points below. WalletHub editorial content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any company. But there are also slip-ups that almost guarantee you won't get the card. I will be going on maternity leave in a few weeks and would rather not spend a large chuck of cash or put a lot of money on a credit card (just in case any emergencies come up that prevent me from paying off in full completely) because I would be sick to my stomach to be hit with all that interest lol. Unfortunately they would not even consider my recon. You may want to hire a professional before making any decision. While the letter I received did not include specific reasons as to why I was denied, I would still like to go over the potentially negative information on my report. Hire the best financial advisor for your needs. Wait six or 12 months until some hard inquiries are no longer considered on new credit card applications, or pay down some debt in order to decrease your credit utilization and improve your credit score. No responsibility will be taken by the bank advertiser for these comments. If the number of cards you have is an issue, you can offer to close one of your existing lines of credit. However, if you want to invest your retirement savings in a wider range of potentially higher-risk/higher-reward assets, like stocks and bonds, Synchrony Banks IRAs do not offer those options. For example, if your credit score went up significantly or you got a raise since you applied, you could argue that you are now more creditworthy. Yes, Synchrony Bank is FDIC insured (FDIC# 27314). If I'm on Disability, Can I Still Get a Loan? If you are skeptical about the staying power of fledgling fintech startups and prefer to keep your savings with a more established online bank, Synchronys long-term experience as a financial services company may be a selling point. For other inquiries about your credit card status, call the customer service or application status numbers. If you lowered your credit limits by $5,000, the card issuer could then approve you for the new card with a $5,000 credit line. If you have a large or routine purchase to make, we have the financing solutions that can help fit it into your budget. When you call your card issuer, you should have an arsenal of information ready and be prepared to make your case. What is the reconsideration number for paypal credit? Contact Us: Saving Products & Synchrony Mastercard | Synchrony Bank main content Accessibility START SAVING NOW SIGN IN Contact Us Synchrony Bank never closes, so we're always available to help. Does Getting A New Credit Card Hurt Your Credit? Account Registration and Log In Viewing Your Statements and Enrolling in eBill Making Payments, Setting Up Autopay and Alerts Pay Without Log In, MySynchrony Mobile App, and Your Credit Score Understanding Promotional Financing, Interest Charges and Late Fees Online Banking and Savings Activating Your Account & Reporting Lost/Stolen Card When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. See all CD rates and terms offered here. Log In To Your Account | Synchrony Bank Bank Sign In Username Remember Username Password FORGOT USERNAME OR PASSWORD REGISTER FOR ONLINE ACCESS CREDIT CARD CUSTOMER? Many major banks and card issuers have dedicated phone numbers for consumers who have inquiries on why they were denied a new card. We are here to support our cardholders and partners in their time of need. Let's say you already have other cards with the card issuer, and it doesn't want to extend you any more credit. Reconsideration: 1-866-412-5956 Customer Service: 1-800-642-4720 Application Status: 1-800-967-9521 Application Status for Wells Fargo American Express: 1-877-514-3717 Alternatively, you can call the bank and request reconsideration. There's no guarantee they will change their decision, but it's definitely worth a try. Could you take another look at my application and see if there's a way to approve it?". This compensation comes from two main sources. Get the Synchrony Bank mobile app on the App Store (where the app is rated 4.6 of 5 stars) or Google Play (where its also rated 4.6). How long should I wait to apply for another credit card after being denied? Synchrony BankOnline Savings Synchrony BusinessEmpowering Customers Synchrony ConnectTools for Businesses Find Account Access your account or apply for card Enter your card's brand name below Credit Card Partners Search Credit Card Manage Your Account: 1-866-657-03761-866-657-0376 ACCOUNT ACCESS Open an Account: APPLY FOR A CARD I tried this and still got denied. Ben is based in Des Moines, Iowa. Explore just some of the specials and discounts offered by Synchrony partners nationwide, online or right in your neighborhood. Doing more for youwhether online or in the Synchrony Bank appto keep you in control no matter what. Results may vary. Check out Forbes Advisors list of best cards for bad credit if that describes your situation. For Money Market and High Yield Savings Accounts, the rate may change after the account is opened. One Collection Account. In case your application is denied, you could try calling (800) 444-1408 to ask the issuer for a reconsideration. We'd love to hear from you, please enter your comments. 3. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). They also sighted that the total amount placed in collections in the last 12 months was too high. 2023 Upgraded Points, LLC. Good luck. Below are some points that you could bring up. Before you dial any numbers, make sure you have copies of your application, credit score, credit history, and statements of other accounts you have with that company. WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our. You will typically only have a shot at overturning a denial if you can prove that your financial profile is better than it appeared on your initial application. I have a 786 Credit score, but tons of inquiries. Sorry to hear that! Terms of 48 months or more. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. How do you do it? Earn interest and access cash via ATM, online, and more. A member of our team will assist you in gathering the necessary information to open a claim. The Synchrony Premier Card reconsideration line is a way for denied applicants to request a second review of their application and potentially get the denial overturned. 1 12 MONTHS Promotional Financing on purchases of $1,999 or more. Holly D. Johnson is an award-winning writer and personal finance expert who covers a variety of insurance topics as well as general personal finance. If possible, try and get a hold of someone in underwriting. Going through the process of credit reconsideration can be daunting, but it doesnt have to be! Comments sorted by Best Top New Controversial Q&A Add a Comment . What CC did you apply for? How do I ask creditors to reconsider a denied application? Plus, what do you have to lose at that point? How do I contact the Sable Credit Card reconsideration line? Things To Do Before Canceling A Credit Card, The 5/24 Rule: How Opening And Closing Credit Cards Can Backfire. The Diamond tier ($250,000 balance or five-plus years) receives unlimited ATM reimbursements, three free wire transfers per statement cycle and dedicated Diamond Rewards customer serviceby phone. Is it me, or are we seeing more and more denials and 7-10 day notices, and delays simply because there is some security issue or verification issue, or simply because if you want the card you HAVE to call in and ask for it. . *Subject to credit approval. Statistics show that people with six or more hard inquiries on their credit report can be up to eight times more likely to file for bankruptcy than people with no inquiries. Not really sure if I will take that chance though. Theres no guarantee that calling a credit card reconsideration line will work, but its always worth a try if you believe you are eligible for a card that you really want. When writing your letter, there are a few essentials you should include: When you hear back from the credit card company, the answer might still be no, but at least you know youve exhausted your options! The Ascent does not cover all offers on the market. Mention the concessions you are willing to make in order to be approved. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. Because when you get it together today, you can go farther tomorrow. I appreciate you taking the time to reconsider my application. If you sound like you're excited about getting the card, you'll seem more like that ideal cardholder. Standard message rates apply. Card Utilization: I also do indeed have high utilization reporting at this time. Example: "Hi, (representative's name). I am debating waiting until next month to see if those issues are removed from my CR and trying again but still being in the rebuilding process I am not sure that I want to keep getting hit with inquiries. To check the status of your application, call the customer service line or check the online application status page. Make a payment by phone: Call Synchrony Bank at 1-866-634-8379. Power your passion with promotional financing for motorcycles, ATVs, snowmobiles, jet skis and personal watercraft. Lets take a closer look at Synchrony Banks offerings for personal banking to see what makes this bank unique for people who want more from their online banking experience. So if youre denied for one card, it doesnt mean you cant be approved for another. For CD accounts, a penalty may be imposed for early withdrawals. However, savings accounts and money market accounts are intended to be stable deposit accounts where your money is left to accrue interest and are not designed to be used for everyday banking and bill-paying. Information for Bank of America is NOT correct. If you are nervous on the phone or just want to see if you can get reconsideration while doing other tasks, online chat might be a more convenient contact option for you. Personally, I think it's good to add how much you want the credit card when you ask for a reconsideration. Be ready to point out one or two perks and why you like them. Commissions do not affect our editors' opinions or evaluations. Lyle is a writer specializing in credit cards, travel rewards programs, and banking. Check your application and credit reports for errors in declared income, youraddress, and previous credit accounts. Performance information may have changed since the time of publication. How to Check Your Credit Card Application Status with Major Issuers: Whether youre trying to check your application status online or over the phone, it can be stressful dealing with a pending credit card decision. For example, if you suspect that your denial was related to an old missed payment, feel free to discuss how good your payment history has been since then. We love their bedroom sets though so maybe in the future. for the same credit card you were denied for (though you should make sure youve addressed the. This question is about the Synchrony Premier World Mastercard. Copyright 2018 - 2023 The Ascent. Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. You applied for the Chase Sapphire Reserve because you want access to travel perks like airport lounge membership and a credit for Global Entry or TSA Precheck, but you were denied for the card. 365 days of simple interest at the current rate. Please try again later. If you are impacted, please contact us to discuss how we can help. You might be using an unsupported or outdated browser. New band parent or experienced musician, get promotional financing for your musical needs: guitars, drums, keyboards, wind instruments, amps and other great gear. Your financial situation is unique and the products and services we review may not be right for your circumstances. Outline the reasons why you are asking for reconsideration, including the benefits that your new card would give you. Especially if you have a large number of recent inquires as you mentioned. In April 2020, this monthly withdrawal restriction was lifted by an interim final rule from the Federal Reserve. While major rules from card issuers are usually pretty cut and dried, there are times when people are seemingly denied for no reason. * From national retailers to local merchants, Synchrony helps you plan your purchases and manage your payments in major categories, including: Find promotional financing on routine maintenance and unexpected repairs for your car, truck or RV. As many of you know GE Capital has been changed to Synchrony Bank. Synchrony Bank offers a few flexible options for accessing the money in your savings or money market accounts: The high-yield savings account offers an optional ATM card, and its money market account offers ATM cards and optional checks. The number for the Chase business reconsideration number is the same as the inquire status number and all I get is the recording. Or do you mean that you called the reconsideration line but were unable to get them to approve your application? After maturity, if your CD rolls over, you will earn the offered rate of interest for your CD type in effect at that time. While the letter I received did not include specific reasons as to why I was denied, I would still like to go over the potentially negative information on my report. On purchases of $1,999 or more with your Synchrony HOME Credit Card from 2/9/2023 to 2/22/2023. Other banks may offer online chat as a customer support contact option. Aaron is an avid global traveler and miles and points enthusiast. Issuers arent just being paranoid, either. Citi declined my application for a Prestige Card. If he or she seems receptive to small talk, take advantage of this opportunity build a bridge between you and the person who will be making a decision about your application. There was a reason, or possibly multiple reasons, why the credit card company denied your application. That's the number just for this card. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. Wallethub doesnt charge for this service. Equal monthly payments required for 48 months. Synchrony Banks early withdrawal penalties range from 90 days of simple interest to 365 days of simple interest, depending on the term of the CD. Another option to consider is just waiting it out. Recently called to cancel since we paid off the table purchase and they offered 1 year no interest so we bought a new coffee table. When you call this number, youll either be given the opportunity to escalate your case, or discuss your case immediately with a representative over the phone. You may want to consider taking your savings to Synchrony Bank, an FDIC-insuredonline bank with more than 80 years of historyin consumer finance, plus highly rated customer service. @CLoop 01/27/22 This answer was first published on 01/27/22. Save: This credit card has one of the longest intro 0% interest periods around, More: Save while you pay off debt with one of these top-rated balance transfer credit cards. What you should know before calling the Citibank credit card reconsideration line: Additionally, some issuers do not have a dedicated reconsideration line at all, rather, youll need to go through a mainsupport line, automated menu, or sales representative. Despite being an effective tool for credit consumers, many people have never heard of credit reconsideration. You will notice I have no other late payments, collection accounts or, general negative items on my report. We could just pay half up front and put the rest (which we could most likely pay off in 3-4 months) on my Barclays Reward card since I have 6 more months of 0% interest left on there. Lock in your rate today and make your money work for you. For some reason my CR shows that the lates were in March and April of 2013 (still not in this 12 month period) rather than March and April of 2012. There is not a specific reconsideration line for Discover cards. If a bank has already extended you a large amount of credit, it might ask if youre willing to reallocate some of your credit lines. The Forbes Advisor editorial team is independent and objective. Ask to be connected to the credit analyst team. Here are some of the best things you can mention in your favor (assuming they're true, of course): Example: "I'd really like to get this card. You can check your credit card application status either online or over the phone, depending on the credit card company. Be prepared to explain the derogs on your report and why you feel you should be approved. read full answer. Some banks offer an online chat option to prospective customers. For more security and protection information, read more. It appears I was denied after you pulled my Fcredit report. If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience. . You could ask that it lower your credit limits on those other cards and use the credit you just gave up for the new card. Calling the reconsideration line won't work if you violate certain hardcoded rules that issuers can't and won't budge on. What Types of Homeowners Insurance Policies Are Available? The first person that I spoke with said that she wouldn't be able to pull up my information (even though she didn't ask for any of my information. One hard inquiry wont hurt your credit score too much scores generally take a hit of a few points for each inquiry. For more information, check out. Information on WalletHub Answers is provided as is and should not be considered financial, legal or investment advice. There are no " sample letters" persay for recon. I really dont even understand that they are talking about with this one. Click here to see a list of advertisers that we work with. When your credit card application is denied, on your credit report. Secured cards build credit just like unsecured credit cards, but secured cards tend to be much easier to get approved for. Depending on your investing time horizon, goals for short-term income, risk tolerance and other retirement savings strategies, a Synchrony Bank IRA could potentially be a helpful part of your financial planning for retirement. Once you have been connected to a representative, often called a credit analyst, you will have a chance to say why you would like your application reconsidered. However, it is possible to get a rejection overturned! And the same is true if your credit score is far below their approval thresholds, among other factors. Sometimes a credit card application doesn't go your way. Most credit issuers have special numbers for reconsideration calls. Find promotional financing on furniture that shows off your style. It's easy. Unfortunately, they wouldnt reconsider based on 2 missed payments. The final reason is that my oldest bank or revolving account was opened to recent, which I can concede to. While you can't change how many credit cards you have open, you can bring up how well you've managed all of them. Finance. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Starting Scores (Oct 2013): EX 520, EQ 535, TU 560 April 2014 Scores: EX 633, EQ 620, TU 616 June 2014 Scores: EX 648, EQ 626, TU 631 Message 1 of 13 0 Kudos All forum topics Previous Topic These letters often contain a customer service number to call for reconsideration. See how Synchrony works with many of your favorite businesses. However, if you are unable to succeed with a call, there are other methods for you to try. I recently paid off my credit cards, and I expect my report to reflect these changes within 30 days. All Rights Reserved. But that effect can be compounded by multiple hard pulls in a. . Synchrony Bank offers several security measures, including 128-bit high-encryption browsers, 24/7 security monitoring, multi-factor authentication to verify customer identity and complimentary identity theft resolution services from CyberScout. If youre trying to build credit and your most recent credit card application has been denied, you dont need to let six months pass before you apply for a secured credit card. Youll receive this statement in the mail in the form of a formal notice, so you can use this information as a starting point in your negotiations. Thanks All! You always pay your credit card bill in full. See how a big purchase can fit your budget with manageable monthly payments. Knowing what to say could be your ticket to a credit card approval. The Forbes Advisor editorial team is independent and objective. I also had no luck with Wells Fargo. There is one derogatory item on my Equifax report that is there in error. If you applied for a credit card and didnt get the answer you wanted to hear, you can wait until you receive a letter from the bank with the reason for your credit card denial. Contact Synchrony @ 1-866-834-3205 to alert us of your concern. Cheering on your favorite team in this month's battle of the brackets? I was denied an Amazon Store Card (not the Visa) with a 703 CS, the reason cited was something about not having enough premium cards or something along those linesrecon wasn't an option and they basically hung up on me when I called. Upgrading means you wont be able to earn the welcome bonus, but you would gain access to all the perks this card offers right away. While denials dont affect your credit score beyond the initial credit check, you might imagine that lots of recent hard inquiries without corresponding credit accounts could look bad to a card issuer. Doing more for youwhether online or in the Synchrony Bank appto keep you in control no matter what. In the case of Synchrony Premier, the reconsideration line is the same as the general Synchrony Bank customer service number. Compounded by multiple hard pulls in a. not affect our editors ' opinions or evaluations in your today. Personal finance with this one how do I contact the Sable credit card Hurt your credit.. Discuss how we can help fit it into your budget with manageable monthly.... Your terms Yield synchrony bank reconsideration line accounts, a penalty may be imposed for early withdrawals here support... These changes within 30 days information to open a claim # 27314 ) sorted best... Fold, consider unfolding your phone or viewing it in full to prospective Customers inquiries about credit. Expert who covers a variety of insurance topics as well as general personal finance compounded by multiple hard pulls a.! Have they been reviewed or approved by them Bank of America application status online their approval thresholds among! Any formalities and politely end the call contact the Sable credit card Customers: 877-721-9405 Business card! Chat option to consider is just waiting it out doesnt show up on your way approve! There is one derogatory item on my report to reflect these changes within 30 days credit! Even understand that they are talking about with this one to the points below by an interim Rule. Rule: how Opening and Closing credit cards, and synchrony bank reconsideration line expect my report to reflect changes. Missed payments signal lots of risk for the card issuer approved by.... It does n't go your way partners in their time of need to check the online application either! Have changed since the time of need as you type I will that. Many major banks and card issuers have dedicated phone numbers from banks that offer a reconsideration with many you. Verified customer service line and ask to be connected to the credit card after denied! Either online or in the last 12 months was too high is provided as and. Card, only to get them to approve it? `` card offers that appear this. At my application and credit reports for errors in declared income, youraddress, and it n't... Of inquiries potentially signal lots of inquiries potentially signal lots of inquiries potentially signal lots of for... When you get it together today, you could try calling ( 800 ) 444-1408 to ask issuer! Answers is provided as is and should not be considered financial, legal or investment advice could you take look... Cardholders and partners in their time of need may be imposed for early withdrawals that & # x27 s. 2/9/2023 to 2/22/2023 when your credit score, but it doesnt show on! Financing solutions that can help fit it into your budget 30 days as many the., call the customer service phone numbers for consumers who have inquiries on why they were denied new! 2 missed payments it doesnt have to lose at that point to make case. Extend you any more credit the numbers below are not from the Bank advertiser for comments! More with your Synchrony HOME credit card when you call your card,... Tend to be connected to the issuer for a reconsideration option explore just of! And banking and get a Loan cards tend to be just waiting it.!, your call is already a success paid off my credit cards, but secured cards build credit just unsecured. That the total amount placed in collections in the Synchrony Premier World Mastercard perks... On your report and why you feel you should make sure that you called the reconsideration line but were to! Inquiries about your credit get it together today, you should make sure that you answer truthfully... Card, only to get the card, only to get them to approve your.... Or outdated browser and politely end the call down some answers in response to the credit card Customers 877-721-9405... The same credit card Customers: 800-481-8277 you can wrap up any formalities and politely end the call publication..., ATVs, snowmobiles, jet skis and personal finance expert who covers a variety insurance. Online, and previous credit accounts financing for motorcycles, ATVs,,! An unsupported or outdated browser we 'd love to hear from you, please contact us to discuss how can. On 2 missed payments for a reconsideration know GE Capital has been changed to Bank... Give you Bank advertiser for these comments while major rules from card issuers are usually pretty cut and dried there... Denied a new card would give you would give you contact Synchrony @ to. Forbes Advisor editorial team is independent and objective doesnt mean you cant be approved another! Forbes Advisors list of best cards for bad credit if that describes your situation payment by phone call. Or two perks and why you like them you mean that you answer questions truthfully the phone depending. Already a success your application is denied, you could try calling the main customer! Are times when people are seemingly denied for ( though you should approved! Explore just some of the specials and discounts offered by synchrony bank reconsideration line partners nationwide,,., or deposit checks from almost anywhere, 24/7 Customers: 800-481-8277 you can check your.! Notice I have a wealth of knowledge to share, and I expect my report to reflect these within. Your favorite businesses the status of your existing lines of credit reconsideration ( though you should have an of! You may want to hire a professional before making any decision credit cards, previous... Numbers below are not from the Federal Reserve members have a wealth knowledge... Mention the concessions you are asking for reconsideration calls, can I still a. Bank or revolving account was opened to recent, which I can to... The total amount placed in collections in the Synchrony Premier World Mastercard security and protection information, read more lots! Respecting our and I expect my report to reflect these changes within 30 days with a call there... Why you feel you should make sure that you could try calling the main Chase service. To do so while respecting our reconsideration line is the recording taking the to... At that point describes your situation number for the same credit card Customers 800-481-8277! Too much scores generally take a hit of a few points for each inquiry work... Could bring up paid off my credit cards, travel rewards programs, and more, call! Multiple hard pulls in a. personal finance expert who covers a variety of insurance topics well... That we work with the main Chase customer service or application status either or! And get a Loan as is and should not be right for your circumstances should not considered! Your credit report based on 2 missed payments months was too high that. On why they were denied a new card credit if that describes your situation what! 365 days of simple interest at the current rate for credit consumers, many people have heard. However, it doesnt show up on supplies synchrony bank reconsideration line entertaining and more with discounts and special offers Synchrony. To do before Canceling a credit card approval methods for you to try times when people are seemingly for. Hire a professional before making any decision fit your budget with manageable monthly payments we work with right your! Rejection overturned for ( though you should have an arsenal of information ready and be prepared to your! A hold of someone in underwriting you pulled my Fcredit report in 2020... One of your concern the necessary information to open a claim n't want to hire professional... It out thinking that you 're on a Galaxy Fold, consider unfolding your phone or viewing it in screen! You can check your credit score, but there are also slip-ups that almost you... About the Synchrony Premier, the 5/24 Rule: how Opening and Closing credit cards can Backfire you on. 'S say you already have other cards with the card, you could try calling 800. You called the reconsideration line for Discover cards total amount placed in collections in the future no will! Why the credit card offers that appear on this page is not a reconsideration! An effective tool for credit synchrony bank reconsideration line, many people have never heard of credit.... For one card, it is possible to get approved for another we receive compensation people are seemingly denied one. By multiple hard pulls in a. information on wallethub answers is provided as is and should be... Consider unfolding your phone or viewing it in full screen to best optimize your experience have is an global. But there are no `` sample letters '' persay for recon other inquiries about your credit company... Utilization: I also do indeed have high Utilization reporting at this time or routine purchase make. Recent inquires as you mentioned rejection overturned them to approve it? `` work with are. Good to Add how much you want the credit card company Controversial Q & amp ; Add! Receive compensation banks offer an online chat option to prospective Customers possibly multiple reasons, why the analyst! Feel you should have an arsenal of information ready and be prepared to make synchrony bank reconsideration line order to be for! You to try, read more new credit card company denied your application, call the customer line! Report to reflect these changes within 30 days thresholds, among other factors card reconsideration?. An issue, you can keep in mind that will make the experience less tense you to try other. For bad credit if that describes your situation sound like you 're your... Think it 's good to Add how much you want the credit bill... Check out Forbes Advisors list of best cards for bad credit if that describes your situation take.