The Best Credit Card Rejected 2023. As a general rule of thumb, most banks usually require a minimum working time period (with ) of at least 6 months with the same company in order for your credit card. The average application rate for credit cards for 2023 overall was 26.0%, 0.7 percentage points lower than the average rate for 2022.

More importantly, think about whether you can do anything about them. You may not know what an adverse reaction notice even is, but this simple letter solves many of the frustrations felt after you’ve applied for a credit card. What can you do after you’ve been denied?