Why can’t I get a credit card despite me having a high sticker score?

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There could be a few reasons why you can't get a credit card despite having a high sticker score. The first reason could be that your income is too low to qualify for the minimum payment on the credit card. Lenders typically like to see that you have an annual income of at least $15,000-$20,000 before approving you for a credit card. Another reason may be that you don't have enough established credit history yet. If this is the case, try applying for a securedcredit card which requires collateral in order to open up the account but will help build your credit over time if used wisely and responsibly
 
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The KiwiCard can only be obtained with a high enough login frequency and KiwiScore. Your KiwiScore is broken down into several components:

1. Join date (20%)
2. Reaction score (30%)
3. Points (10%)
4. Solutions (10%)
5. N-word count (30%)

Once approved, you can use your KiwiCard anywhere questionable visa cards are accepted. I've used mine in the past to donate to the forums. I also used it to buy vidya and a nice hot chocolate once.
 
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My parents had credit cards and died in debt. I know this is a shitpost, but just don't take on credit for anything but like a business or a house. Don't even take on debt for a car. I bought my current daily driver with cash and 100000 miles. I've paid like $500 in failed parts over the past 150000 miles since then. It's about time for a new daily, but with the current market I'll probably just sink that money into a LS swap into one of my fun cars and end up happier and with a fatter pocket in the end.
 
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