Best Way to Apply For a Credit Card

By Bikash K

Finally you have decided that you really need a credit card and would like to start with the process of getting one. You have to start off with the application process which can be through telephone, mail or online and it is simple. So, what is the best way to apply for one? Well at first you have to decide on the type that you would need. Keeping your budget and requirements in mind, check out on the interest rates, incentives, terms and conditions etc.

If you are applying online then pick a concerned site and click on the link 'apply' and the application form will come on your computer screen. Once you have gone through all the relevant details fill up the application form. You would be required to give details like current address, date of birth, social security number, driving license number, current salary, employers address, financial standing (bank details) and credit obligations.

After you have posted your application the same would be scrutinized which would take some time say between two days to two weeks. The approval of your application will be based on your credit history. Once your application is approved you would be notified either through telephone, e-mail or mail. Online application has many advantages. It is safe, secure and fast and all communication is usually done through e-mail.

There is another way for applying and that is through mail. You would be flooded by different types of offers and you have to choose accordingly. Most people prefer this route as they have the option to choose from different categories of credit cards. After you have gone through the many leaflets you can decide on something that suits your requirements. An application form is attached with these mailers which you have to fill up and mail back. In this case your approval can take a long time as you are dependent on the vagaries of the postal services.

One more way is to search for your credit cards in Card Hub which offers ways to find the best card for you. Although the process here is similar with those mentioned above the time taken would be much less.

You can also contact issuers and banks. You have to directly interact with the card division personnel and as your history is already available with your bank it hardly take a day or two to get your approval.

However it would be unwise on your part to apply for too many of them at the same time as some people do so as it would jeopardize your chances of getting one.

Find more information about Card Hub and Credit Cards . We will always find reliable and correct information in our site.

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