Bangalore: Talking about credit cards, they are important financial instrument. Most of us are aware of just the reward credit cards that that let you accumulate points toward your next getaway. But did you know that fact that you could up your money using credit cards. This totally depends on how you make use of the card. Because most of the people owning two to three credit cards accumulate crushing debt due to their improper management. By adopting these methods and using credit cards in a proper way you can save some serious cash and stay out of debt. Find Out Why Have you faced the scenario where you applied for a credit card and your application was rejected despite you having a good credit history? What did you do then? Sat back and figured out the reason for your application being rejected or took some initiative to a concrete answer. Most of the people don't think of taking any initiative in talking to bank authorities to get a clear picture on what bases the application was rejected. In most of the cases where people get a declaration saying their application was rejected, was based on the computer's best guess as to your credit worthiness. The computer cannot consider all intricate factors. So it is always better to reach out to the bank and give a proof of your excellent credit history.