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Avoid e-mail schemes trying to lock you into a credit card with high interest rates and fees. Your credit score is determined by your address, work and speed in paying bills. A high credit score and low debt will improve your credit card approval chances. If you have a credit history, you might want to contact the credit card bureaus - (Experian, Trans Union and Equifax) - to receive your free annual credit report. If you've been denied any service, product or job due to a bad credit score, you have the right to request a free credit report within 60 days. If you dispute a bad credit report and win, you can raise your credit score. Also, applying for too many credit cards at any one time is seen by bankers as an expression of a worsening credit position. personal unsecured loans credit card car loan payments loans on land only auto loan payment estimator massachusetts mortgage loan benefit worksheet