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To improve your odds of being approved for a new account, try these steps. Explore all of chase's credit card offers for personal use and business. When handled responsibly, your first credit card can help you build credit and improve your ability to borrow money in the future. A lower credit score can cause your interest rates to rise or you could be denied credit. Whenever you add a new credit account, it can cause your credit score to drop a few points—first when the creditor makes an inquiry on your credit report, then when the account is.

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