Applying for a credit card is simple. You may just enter your information online and clicking "Submit". But is the application for a credit card approved? For some people, some expertise and plans are required before applying.

1. Learn about credit scores

Credit scores - you have a lot - are one of the most important factors that a credit card issuer decides to approve your application. Most reward credit cards require excellent credit or at least good credit. So if you keep trying to maintain a good credit history, you may want to postpone your application until your credit improves. Or, consider using a security card or a card designed for someone with bad credit, not a reward card.

2. Get your credit score

The most prominent scoring models are the fico score and the vantagescore score. You can pay to get your FICO score from MyFigocom, but if you already have a credit card account, you may also have received a free FICO score in your monthly report or online account. The credit card issuer discover provides everyone with a free fico score, even if you are not a customer.

3. Improve your credit

if you:

• Pay on time.
• Keep a low balance on your existing credit card.
• Avoid new debt.

30% of your credit score depends on how much you owe. High credit card balances can be particularly harmful. Your credit card usage - your balance divided by your credit limit - should be less than 30% of each credit card. For example, if your credit line is $10,000, it is recommended to keep the balance below $3,000. Reduce your credit utilization by developing a plan to pay off your existing balance as quickly as possible. Consider paying more than one purchase a month to keep your balance low for the entire month.

4. Don't apply for the first job you see

If your credit is not good, you may not be approved to use a card with a high registration bonus and a generous reward. Each credit card application can temporarily cancel your credit report, so consider using an online tool for prequalification. You can also call the card issuer to ask for specific card requirements.

5. Include all income in the application

The issuer believes that your credit score is a reputation indicator, but the score does not reflect your income. The card issuer uses the income to calculate your debt-to-income ratio, which helps determine your ability to pay. Change your ratio by increasing your income or reducing your debt.

If you earn money outside of full-time work, write it on your application form. As long as you are 21 years of age or older, you can apply for your family income, including your spouse or partner's income, on your credit card.