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Credit Card Applications

A person can apply for a credit card online, through paper application or by phone.

Steps for filing application for a credit card are:

  1. Find out information about credit card plans, rates and terms on the Internet, in personal finance magazines and in newspapers.
  2. Fill out the paper application for a credit card of personal choice, if not applying online.  Ensure that the application is endorsed by the credit card company and is an original document.
  3. Apply on phone, by calling up the toll free (800) number of the credit card company.  The number can be found online, through yellow pages, newspapers or magazines.
  4. To apply online, search for the different credit card options offered by different banks, financial institutions and stores.
  5. Compare the different features as regards the fixed or fluctuating interest rates, APR, credit limits, interest-free days, penalties, grace periods, schemes for cash advances and balance transfers, attractive offers and other implied costs.
  6. Choose one to suit the personal requirements and search for applying options online.
  7. Check for the preconditions of applying, such as a driving license number, social security number, date of birth and address proof.
  8. Fill in the details, double check the information included, read the privacy statement and click on “Apply.”
  9. A person can apply for multiple credit cards.  However, the issuer will first ensure whether the applicant has a reliable financial background.

Inside Credit Card Applications