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Fortune
Fortune
Trina Paul

Afraid of getting turned down when you apply for your next credit card?

Photo illustration of a woman holding a credit card forward toward the camera and smiling, the credit card is in focus and the woman is out of focus. (Credit: Photo illustration by Fortune; Original photo by Getty Images)

You’re ready to apply for a credit card—a powerful financial tool that can build your credit and buying power. And one of two things will happen when you apply: You’ll be approved or denied. But here’s the scoop: You’re in control of everything card issuers use to make that decision.

So if you’re wondering how to get approved for a credit card, the answer is pretty simple: You need to align your credit with the right credit card, and then be willing to do a bit of legwork to improve your credit if you’re not approved right away. And don’t worry—we’ll guide you through the process in six basic steps.

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