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Other factors – like your income – could cause you to be denied for a credit card that you’ve pre-qualified for.

If you’re a student, you may qualify for a student credit card.

These cards are designed for college students who may not have a large income or a credit history.

To qualify, you may have to provide proof that you're enrolled in a qualified college or university. Some student credit cards have high interest rates and lots of fees.

A few major credit card issuers have online pre-qualification that allow you see if there's a credit card available for your credit profile.

These pre-qualifications are typically soft credit checks – meaning they won’t hurt your credit score or show up on your credit report when someone else checks your report.

Keep your balance low and pay off your balance to avoid paying a lot of interest.

Secured credit cards are the go-to cards for people who can’t get approved for a traditional credit card.

Watch out for any credit card that guarantees approval without first checking your credit score.If you’re not responsible with the credit card, i.e.you miss payments or max out the card, the cosigner’s credit is affected, too.However, you won't have a credit score until you have at least one active account on your credit report for six months.Some credit card issuers realize that people have trouble getting a credit card for the first time and they've made credit cards specifically for people with no credit.

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  1. The poem itself is a 'haunting', marked as much by his memories of the front as by his growing sense of duty as a war-poet: 'My subject is War and the Pity of War. Yet, in a paradox characteristic of the First World War, the war-haunted document is also an ode to literary friendship forged at Craiglockhart.

  2. Hospitalizing a person who self-injures can actually do more harm than good because the hospital environment puts the person in a position of loss of control, facing what may be to them overwhelming emotions, and promote further self-injury behaviors.