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9 Steps On How To Apply For A Credit Card

If it’s your first time to apply for a credit card, it’s understandable that you’re feeling a bit apprehensive about the outcome. There are several things you can do however to increase your chances of getting approved.

9 Steps on How to Apply for a Credit Card

Step #1 Find a credit card you want and need. There are basically two types of credit cards to choose from: low interest credit cards and those that are reward based. If you are applying for a credit card only fo...

credit card,apply for credit card,credit card debt

If it’s your first time to apply for a credit card, it’s understandable that you’re feeling a bit apprehensive about the outcome. There are several things you can do however to increase your chances of getting approved.

9 Steps on How to Apply for a Credit Card

Step #1 Find a credit card you want and need. There are basically two types of credit cards to choose from: low interest credit cards and those that are reward based. If you are applying for a credit card only for emergency use, you’d be able to maximize the benefits of a low interest card. But if you’re applying for a credit card to enjoy better shopping then you’re definitely more suited to a reward based credit card.

Step #2 Prepare possible credit card requirements such as photos, Social Security number, valid IDs, proof of income, and billing. Check your credit ranking. If it’s below 620, you can’t proceed to Step #3 without repairing your credit first. If you’re only a college student, prepare proof that you’re still studying and maybe copies of your most recent grades.

Step #3 Now that you have everything ready, it’s time to apply for a credit card online. If the design of your card is customizable, this might be the first step you’ll have to take. Choose the design that appeals to you the most.

Step #4 You will have to fill up an online application form online afterwards. The first section will usually require you to provide your contact details. It’s important that you be able to provide a landline number they can contact if you’re going to be subjected to a subsequent interview.

Step #5 The next section will usually be regarding your employment status and history. What the credit card company basically wants to know if you’re currently employed and how long you’ve been with your current employer. This will allow them to gauge whether you’re a responsible and reliable person. Generally, the longer you’ve been with your employer the better.

Step #6 Income information is also very important. Your gross income – or how much you’re earning in total without subtracting your expenses first – will allow them to determine how high your credit card limit should be. Of course, if you’re not too sure about your self-control, you can ask them to lower your credit card limit to what you feel most comfortable with. If you plan giving an extension or supplementary card to someone else, you could also choose how much limit his card would have.

Step #7 The online application form might also require you to indicate whether or not you have a checking or savings account. Don’t worry if you don’t have one because it’s not really necessary for you to have either; having either, however, helps the credit card company evaluate your application better.

Step #8 Once you’ve submitted your application form online, you will only have to wait mere minutes and no more than 24 hours to know the status of your application. It’s possible that you’ll receive a call afterwards if they wish to verify additional information about you. When that happens, just answer their questions calmly and confidently.

Step #9 If you get rejected, don’t take this to heart. You can ask them the reasons for your failure to get a credit card, and from there, you can determine what to do next. You can also ask for your employer or a relative with an outstanding credit score to serve as your guarantor on your next application.

 

An Easy To Follow Guide On How To Look For A Site To Apply For A Credit Card Online

The internet has never ceased to amaze everyone with its evolution to be virtually capable of doing anything. But nothing has piqued the interest of many enterprising people as to make it a venue for trade. And today, it is the biggest market where thousands if not millions of products and services can be easily found, purchased and subscribed to.

So now, the internet has become a one stop shop where you can find anything from aardvarks to antique zithers. All you have to...

Apply credit card,Apply for credit card,Apply credit card online

The internet has never ceased to amaze everyone with its evolution to be virtually capable of doing anything. But nothing has piqued the interest of many enterprising people as to make it a venue for trade. And today, it is the biggest market where thousands if not millions of products and services can be easily found, purchased and subscribed to.

So now, the internet has become a one stop shop where you can find anything from aardvarks to antique zithers. All you have to do is use a search engine and do a search for the items you need. With your trusty credit card, you can just charge your purchases and wait for your purchased item to be delivered.

No credit card yet? Or maybe you want a new one, then yup, you guessed it, well maybe it's because its everywhere and every body knows it already, you can get a credit card online. Many people though seem to be wary about this. They don’t feel comfortable giving out their details online.

Admittedly, the World Wide Web is not one hundred percent fool proof. There are some people who use their vast knowledge about computers to steal identities and use it for their own benefit. But don’t worry, most major credit card companies have employed the latest technology to ensure that your online application is safeguarded and all your personal information is kept away from the prying eyes of these scammers.

With that said, its now time to learn how to apply online for your credit card without any worries.

• First of, do a search using a search engine. All you have to do is go to your favorite search engine, type in credit card and you will see a number of sites that offers online applications in the search results.

• Scan each site; make sure that the site does comparisons. This way you will be able to choose the type of credit card which will suit your needs and situation. Plus make sure that the site offers online application for most if not all major credit card companies like Visa, Mastercard, American Express, Chase, CitiBank and etcetera.

• Scrutinize the site. Make sure that all the information you need about each and every credit card is supplied. Every detail on the steps and processes needed to be done for your online application.

• Make sure that the site has taken the proper precautions to safeguard the information that is being asked from you. Many sites feature in their homepage the security measures they have taken for your protection. If they employ SSL Technology and Encryption technology, then you are in safe hands.

• When you have found the type of cards that have earned your interest, do some comparisons. Take a look at their interest rates, APR's, credit limit, cash back programs, annual fees (or the lack of it), balance transfer promos and others.

Remember, the best credit card in paper doesn’t necessarily mean it’s the best credit card for you. You have to consider your personal financial situation. Take into consideration your income, your monthly expenses and your over all ability to pay for the charges that’s going to be done. Applying for a credit card online is still the same as doing it the regular way, just much easier and more convenient.

 

Avoiding Credit Card Wipe-outs: How To Succeed With Rate Surfing

Rate surfing can be a good way of reducing debt but there is a risk. To avoid long term damage to your credit rating, it's best to make sure you do it right.

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Rate surfing can be a good way of reducing debt but there is a risk. To avoid long term damage to your credit rating, it's best to make sure you do it right.

Rate Surfing Research

First of all, start by researching the current credit card rate offerings to see which one is best for your circumstances. Many people opt for the 0% interest deals, as these allow them to apply the payments the make to clearing any outstanding debt. These deals usually last for a limited period (between three and 12 months), so canny rate surfers will need to be on the lookout for the next deal.

Keeping Track Of Credit Card Interest Rates

With rate surfing, it is essential to move to the next card before the reduced interest period runs out. If you don't, you could find yourself with hefty payments to make. If you're surfing with many credit cards, you'll need to keep track of the different offer expiry dates so you don't get caught short. Keeping track of these dates can be as simple as writing them down on a piece of paper.

The more technically savvy may prefer to use a spreadsheet for this purpose. Whichever system you use, it’s worth using a calendar to keep track of the dates when you need to apply for new cards and move money. If you have an electronic calendar, set up automatic reminders for these dates. That means you will always know when it's time to make the next credit card balance transfer.

Finding cards to move to is relatively easy, as there are several websites that offer comparisons of credit card deals. The same sites will also show you whether the 0% credit cards offer other incentives, such as air miles, vouchers, cash back or charitable contributions.

Balance Transfer Fees

One factor to think about is the rate charged for the balance transfer. With rate surfing becoming more popular, many credit card companies are charging a one-off balance transfer fee of approximately 2% of the sum transferred. This can soon add up when you are transferring large sums or working with several credit cards. There are still a few cards that do not charge this fee, so it's worth shopping around to find one.

Organise Your Rate Surfing

Organisation is the key to successful rate surfing. For example, it may be worth automating your credit card payments by setting up a standing order through your bank. That way you can be sure that your credit card bill will always be paid on time, and there won't be any danger of damaging your credit rating.

Rate surfing works best for those who intend to clear a debt. Adding more money to a transferred balance will not help with this goal. In addition, credit card companies may charge a different interest rate on new spending. This could increase, rather than decrease, the debt. With a bit of organization, most people can manage to reduce their levels of debt through rate surfing.




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