Credit Card Application Facts (PDF)

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					Title:
Credit Card Application Facts


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408


Summary:
If you have never applied for a credit card before, there are things you will need to know about them. Credit
cards can bring you a convenience which is unrivaled by using cash or checks. Despite this, using your
credit card improperly and can lead to a financial hardship which is difficult to overcome.



Keywords:
credit, cards, apply, information, online, compare, interest, application, secure. deal, offer



Article Body:
If you have never applied for a credit card before, there are things you will need to know about them. Credit
cards can bring you a convenience which is unrivaled by using cash or checks. Despite this, using your
credit card improperly and can lead to a financial hardship which is difficult to overcome. Many credit card
companies will now allow you to apply for cards online. This has made it easy for people to compare credit
card offers.


The first thing you want to do is look for a credit card which interests you. It should be a card which has a
low interest rate, and you will also want to get cards which have no annual fees. Some companies offer an
introductory rate of 0% APR for the first 6 months. There are a large number of reputable sites online where
you can compare credit card offers side by side. Make sure that the site you use is encrypted.


When you apply for the card, you will need to have some basic information on hand. You will need your
social security number, driver's license information and your address. You may also have to submit your
date of birth. Once you submit your application, the credit card company or bank will review it. The amount
of time it takes for them to approve or reject your application varies. It could take a few weeks, and the
better your credit, the faster the process will take.


When you go online, remember that not all websites may be secure. Look for sites which use an SSL
encryption system. You don't want to submit your personal information to sites you're not sure about. You
can apply for one credit card, or multiple credit cards. It is important to remember that having too many
accounts could lower your credit score. There are limits to how many cards you can have, and this is usually
based on your income. It is also not necessary to have a bank account in order to be approved.


If you have detailed questions, it is best to contact the customer service department. Shopping for credit
cards online can allow you to compare the different offers available from the comfort of your home. You
can look for the best interest rates and features. While shopping for credit cards online is fast, it is important
to remember that some websites are fraudulent. Applying for credit cards has never been easier.




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posted:12/31/2011
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