Nicky Pilkington asked:


Many credit cards are offered in the market today thus, making companies more aggressive in advertising and marketing their card services. These companies (e.g. banks, department stores, specialty stores, airlines, hotels, etc.) have found a powerful tool in catching the attention of prospective card holders: online credit card application.

What advantage/s does online credit card application offer? The bottom line of online credit card application is “convenience”. Online application is a dream-come-true to future card holders. Imagine not having to queue in long lines just to have a credit card approved. No travel cost just to get to the card company’s office. Since everything is computerized and automated, processing of the application is faster and more efficient.

What is/are the drawback/s of online credit card application?

The major drawback in applying for a credit card online is internet security: computer hacking makes identity theft possible. Make sure that online application is done through a trusted and secure computer.

Do credit cards applied for online offer additional benefits?

No, basically all the services and benefits are the same. Here are some of the benefits given to card holders and future members:

1. airline miles 2. cash back 3. business 4. retail 5. shopping 6. rewards

How does one apply for a credit card online?

Online credit card application is very straightforward. Just follow the directions as prompted. Credit card companies have their respective web sites which are easy to search in the web. Just type the name of the bank, department store/specialty shop, or airlines and add the key words “online credit card application”, and the computer screen will display the search results as well as the URL.

Here are some other reminders when applying for a credit card online:

1. Determine your need for a credit card: travel, grocery, business. 2. Assess your earning capacity and compare this against your needs. 3. Look around the web for the credit card that matches your needs. 4. Check out the following information about your prospective credit card company through the internet: 5. Application fee. Some companies do not charge for applications. 6. Interest per month. Of course, choose the one with the lowest financial charges. 7. Benefits/Rewards/Advantages. These can sometimes spell the difference between good and best credit cards. 8. Disclaimer. This states additional limitations and/or scope to the credit card; make sure you read this. 9. Application requirements. This is to ensure that all necessary personal data and information are available to you when you do the actual online application. 10. Apply for a credit card online through a secure, trusted, and private computer, never in a public computer.



BRUNO

Mario Churchill asked:


An online credit card application is very summer to apply for a credit card in any other situation. The same sort of information is going to be asked and your credit report will still have to be looked at. The only difference is that you don’t have anything to fill out by hand in your to sign your name. Here is what happens when you think in one to apply for an online credit card application.

When you want to apply online for a credit card application, you’ll be asked the same sort of information at every site that you look at him for a credit card. The information along to be asked is how long you’ve been a residence, how much you make, and then more information they would consider standard biker address phone number. You will often be asked for your source tree number as well so make sure that you are doing is with a reputable site. There are many scam artists out there today who can use your Social Security number to apply for credit cards. This is why you must be careful whenever applying online for a credit card because is very easy to steal your identity and it takes many years to resolve the issues that come from identity theft situation.

When you want to apply online and with a critical application, take a look at the different sorts of rewards and features that come with every card. When the key things that should be standard on any car that you look for our identity protection and fraud detection. Fraud can happen on any card without the card actually leaving your wallet so you will want to make sure that there’s a strong fraud unit that looks into any sort of possible transactions that do look suspicious.

Applying online credit card application is a very simple process and you can often get instant approval or denial so that you know what the outcome is. Make sure to not apply for many cards because this doesn’t hurt your credit score and make sure that it is a card that you want. Their many different credit cards up there so make sure that you’re getting what you want. If you need to get a house or a car at some point, too many credit cards can be a red flag and it could cause you to get denied for that. You don’t want credit cards to get in the way of your bigger purchases like that.



FRANCIS

Anne asked:


Very often you can hear the statement that applying online for a credit card is safe and fast. At the same time, it is common knowledge that cases of online identity theft are frequent enough to make people be afraid of it. Is it really dangerous to order plastics via Internet? Let us see how matters stand.

There are a wide range of web-sources where consumers can make an online credit card application: Credit-Land.com, RequestCredit.com and many other sites are known to provide assistance in credit card selection and quick redirection to the bank’s official site. Credit card companies spend a lot of money on products promotion as well as providing credit card application security. Banks want to make people order cards via Internet. The reason is that it minimizes the cost of application processing: there are no extra personnel needed, as well as no expenditures on paper application forms. The information you submit goes straight to the bank’s database; that is why both the applicant and the creditor save a good deal of time.

To protect the personal and financial information you enter on the application page, SSL (secure sockets layer) protocol is used. It implies that the information is twice encrypted: when being submitted in the sending computer and being accepted by the receiving computer. This encryption method guarantees that your information will never be stolen if you submit it through the SSL protected web sites.

However, not every site is supplied with SSL protocol. There are some details to consider if you want to make a really secure online application.

1) The web page is stated to be secure or there is a name of SSL Certificate provider (Verisign, for example)

2) URL of a protected web-page usually begins with https:// (regular pages start with http://)

3) You can see a small lock in the right bottom corner of the screen

4) They ask you to register on a secure site

If you notice some or all of these features on a web site, you can be 100% your information is protected. So, you can choose the bank product for your credit situation and needs and indicate your personal information like address, annual income, social security number etc in the application form provided.

In case you do not see any of the above mentioned signs of security, or the site just seems shady, leave it and go to a reliable web source. One should also be careful with credit card offers coming by e-mail. E-mail is very vulnerable, and there is a great possibility that you will receive malicious mail (become a victim of phishing). Plus, it is required that you should have your computer protected with anti-virus programs.



DALE

Mario Churchill asked:


Backed by so many histories of non-payments and other related cases, lending companies have the reason to require certain information and other things needed for the application of credit cards. Requirements must not be viewed as hindrances in acquiring a credit card but a useful tool in strengthening the bond between the creditor and the lessee.

Application is a process in which one aspirant is going to fill up certain information and questions pertaining to his identity and the like. This is viewed by companies to help them trace those people who are willing to pay for the dues they set. On that applications also will appear whether the applicant is qualified in terms of the capability to pay.

These times, there are still lending companies and banks that lets an applicant apply personally to the nearest office that they have. An applicant is interviewed by the manager of the company or any represented authorized by the company. He will be given an application form which he must complete and submit to the same.

That process is still the best way for the companies in choosing their good paying clients. However, there are also good payers that can not come personally to the offices of these lending companies. With these, lending companies and banks thought of a way; online banking and online credit card application.

Before online banking was deemed feasible, banks and other companies has been using telephone banking. However, telephone banking does not answer to the problem of some clients that are busy but are still willing to apply for credit cards.

Online application for credit cards is no different from the personal application. You are still going to be asked to fill out an application form and submit it via the internet. Online credit card application may be considered faster than the personal application with less the effort and the time wasted for traveling. Later on, you will be contacted by the company through phone.

Here are some of the requirements that are primarily asked by many lending companies:

1.Applicant’s Name, address, contact numbers (except mobile phone numbers) and other personal information that will be needed by the company. These things are normally being asked by the company to trace you if any unnecessary thing may happen. This will help the company locate you in case of non-payment.

2.Recent employment information and other information concerning job and incomes. This information is solicited from those people who are already working and already earning a salary. This is very important for the company for them to determine how feasible they are to pay a monthly bill as accorded to your annual or monthly income. Contact number in office or in the working place may also be asked by the company.

3.Student information and other information concerning an applicant who is still a student and seeking to have a student credit card. This is being asked to know whether the student is capable of paying a regular credit card or not.

4.Credit history. Some lending companies include in the application form the credit card companies that you have signed with in the past. You credit history will also be asked.

Credit card online application is so far the most convenient way of applying for a credit card. Aside from saving effort and time, you will have greater access to many benefits that are being advertised in the page.



IAN

Stephen Chua asked:


Many people will head down to the local office of the banks or credit card companies when they want to apply for a credit card. If there is a long queue, they will have to wait in line for their turn to submit their applications. Alternatively, they can call up their customer service hotlines and request for an application form to be mail to their home addresses.

As more and more households have access to the Internet, these card issuers begin to offer online credit card applications. This method allows them reach a broader base of potential customers, especially the younger generation that is more computer savvy.

Online applications offer several advantages over the traditional way of applications. Here are three of them:

1. Convenience

This is probably the number one reason why online applications are preferred over the traditional ways. There is no need to travel to the bank and queue in long lines. Thus no extra time is wasted and there is no travel cost to deal with. All you need is a personal computer with Internet access.

2. Access to a wide range of credit information.

Traditionally, if you want to review credit cards from different card issuers, you have to visit each of their offices separately or call up different hotlines to request for their application form. With the Internet, you can do it with just a few clicks. There are many legitimate credit card directories on the Internet that offer you detail description for a wide selection of credit cards from different card issuers. Some of these online directories even offer free tips on credit management.

3. Shorter Turnaround Time

Since everything is computerized and automated, the processing of the application is usually much faster and more efficient. By simply clicking a button to bring up the application form, you can fill it up on your computer screen and then click another button to submit it. Unless there are issues with your credit history or errors on the form, you can expect to get your application approved in matter of days instead of weeks.

However, online security remains the primary concern for many Internet users. Contrary to belief, online application is actually very safe and secure. The card issuers spent huge amount of money each year to ensure that their computer system is secure and hack-proof.

To have a safer experience, you should only make your online application from your personal computer. Avoid public places such as an Internet cafe. In fact, you should not be doing any high security transaction from any computer located in public places.

Online application is safe and easy. Once you have experienced the convenience, it is unlikely you will return to the old ways of applying for a credit card.



CLAYTON

mack l asked:


I am a student and want to get a credit card, so I applied for catalog card USA platinum. Which provides Guaranteed Approval with No credit checks, No employment verifications, No interest charges, you can be approved even if you have No Credit or Bad Credit. But they declined my application. Can any one know why was they declined my application?

COURTNEY

Mario Churchill asked:


Processing a credit card application online has slightly different procedures from applying for a card through regular means. While most of the differences are relatively minor, you should still keep the differences in mind when making an online application. Like knowing the differences between a walk-in job application and simply sending your resume through email, paying attention to the small details can make the difference between approval and rejection.

The first difference is time. Most credit card providers are only starting up their online application procedures. So, while in theory online applications are supposed to be processed faster, due to the fact that it’s a relatively new program most companies will take as much or even more time to get your application processed. Be patient.

There are two exceptions to this rule. The first exception is the largest credit card companies, who have the financial means to support online applications with sufficient equipment and personnel. The second exception to the rule involves relatively new credit card providers who have set their initial operations up with the latest technology in mind, so their online application procedures will be up to date and an integral part of their companies from the get go.

The second difference is in the fees for application. Most companies will offer different charges for online applications as opposed to regular applications. When applying online, be sure to read the details given to make sure that you are aware of the charges involved and can weigh your options. Also, the interest rates and transaction fees may slightly differ for credit cards obtained through online applications.

The third difference is in Card Selection. While more and more companies are taking advantage of online application for their customers, due to it’s limitations not every type of credit card or certain features can be obtained through online application. Some examples are credit card classes with much higher credit limits, and some types of dual role debit-credit cards. Because of this restriction, you should review all the options given by your prospective credit card provider and find out if you can apply online for the type of card you want.

Lastly, one area you should look into is your credit history. If you have a good credit history you should be fine. If it’s not, you should know that some credit card companies will automatically disapprove online applications made by people with bad credit ratings. While a lot of credit card companies allow concessions for people with bad credit history, the option of applying online is usually reserved for those with clean records. If you’ve got a bad record and still want a credit card, then more often than not you’ll have to inquire in person.

One seeming exception to this rule is that some credit card providers will actually provide credit cards with NO background credit checks, AND will let you apply online! This may seem like an ideal scenario for people with bad credit histories. However, pay very close attention to the fine print and other stipulations when applying for that credit card, because there’s likely going to be a catch somewhere. The catch will usually involve huge interest rates or larger than average charges for delayed payments – which pretty much just takes advantage of you if you fall into the same financial pattern that got you bad credit in the first place. If it seems too good to be true, it most likely is.



KIRBY

Joe asked:


I applied online yesteray for my first credit card and they said I would get a response within 30 days. Why does it take so long? Is it because I have no credit and it was a student credit card? Also, I said I had both savings and a checking account but right now I only have a savings but will be getting a checking account on Saturday. Is it ok that I said I had both a checkings and a saving? Will it make them reject my application? Are they eager to give a credit card to someone like me, a young person likely to give them money for interest? I am just anxious about the whole thing. I am going to be responsible with it because I am careful with all my money.
also I didn’t know what they meant by residence when they asked rent or own? do they seriously expect me to pay for rent at this age? So I selected “Other” and put zero paid month;y for my residence because that is what I pay, I mean I help my mom out sometimes but thats it.
lol iceman, I said I made 6K a year because that is what I made in 2005
well it was labled a student credit card….being wary should be expected of them if they think this.
yeah it was CHASE
what is the purpose of advertising student credit cards then?? they are designed for people like me who have no creidt. thanks for not answering my question.

OLIVER

Bob Bastian asked:


If you have surfed around on the Internet, you have no doubt ran across many different credit card companies, offering you cards at what they claim are the best in terms of interest rates and fees. Credit card companies operate both offline and online, and you can even apply for your card directly through their website. Even though many people understand how this process works, there are some who do not.

There are a lot of credit card companies who can process your application online instantly, or within a few minutes. Keep in mind that it does not mean you can shop instantly, simply because you can not print out your new credit card and take it out to the store. You can still shop, although you will not be able to use your new credit card – you have to wait until it is mailed out to you.

Although your application will only take you a few minutes, you will still have to wait for your new credit card. It will be sent to you via mail, so you will need to a wait a few short days before it arrives. Online credit cards are a smart choice, as most will tell you instantly whether or not you have been approved. Even though you will have to wait on the card, it does not take near as long as applying the old fashioned way.

When you compare the old fashioned method of getting credit cards to the online method, you will see some major differences. The first difference is the time, as it can take a long time to return the credit card offer to the company and receive a response. Snail mail can take forever when you are waiting on a response, especially if there are problems with processing your application.

The traditional method of getting a credit card will not allow you to compare what other companies have to offer. If you choose to apply for your credit card online, you will have the option of looking at several different companies. This way, you can find the best deal for your money and know without a doubt that you found the best deal. There are literally hundreds of credit cards online, all you have to do is find one that interests you and apply for it.

Keep in mind that even though applying online is a great way to get credit cards, there are limitations on instant approval. As you may already know, online credit cards with instant approval are meant for those who already have good credit. Even though you may not have good or perfect credit, there are ways that you can get approved online. With the market being very competitive these days, there are some companies that will approve you regardless, just for the simple fact that it gives them business. A lot of online companies are looking to get more business, so they will let the line slide quite a bit, and approve almost anyone now days.

If you are looking for a credit card, all you have to do is look online. You will find many to choose from, giving you plenty of available options. Credit card companies are easy to find online, with there being more online than offline. Getting approved online for your credit card is easier than ever, as all you need to do is apply and wait for a response. With a little luck, you may end up getting approved. Once your application is approved, all you do is sit back and wait for your credit card to arrive – it is as easy as that.



DARIUS

Perry Hampton asked:


The internet has become the fastest and most convenient way to be able to locate and compare a credit card company from another. No doubt it has become widely used in financial transactions such as credit card applications. However, with a significant incidence of fraud online, consumers are now in a critical situation. One thing should be certain, though. In applying for a credit card online, make sure the credit card company you are applying is one-hundred percent safe and secure for customer’s use. The easiest way to know this is to know the reputation of your credit card company. Reputable companies that have a clean track record of serving many satisfied customers is one sure way to determine the credit card company is safe from fraud and privacy issues.

There would probably be nothing new about the next things to consider except of course that like a personal credit card application, you have to ask these things because it will help you decide which credit card and which company will you apply to. Let us take the why first. Why do you want to apply for a credit card? How do you intend to use your credit card? Is it only for pleasure or is it for business? First time credit card applicants should ask this question more often than dreaming about the benefits involved with owning a credit card. If you travel a lot to different countries, will you be able to use the credit card? If so, then you will need an international credit card, which you can use in countries other than the country where the credit card was issued. Are you able to pay monthly or only at a minimum? By answering these questions, you will know your financial capability. Now this is very important because later, the lack of finances might make you not in good terms with your credit card company.

After this assessment, compare credit cards. Again, the best way to do this is online. You can put cards side by side and weigh each pro and con. What are the benefits as well as the disadvantages of both cards? Many websites could give you this information. And while you’re at it, get information about the company itself who will issue the credit card. Are they credible enough? Can their system be trusted? Will information be a private transaction between you and the bank? Since credit card companies are also a business, carefully investigate any detail or specifics that go with the application.

The internet is a rich source for this information. With just one click of the mouse, you can easily compare rats, fees, and terms, making the tedious chore of doing your homework informative as well as exhaustive. Once you have selected your credit card company, it is also very convenient to apply at once for a credit card. After a filling out and submitting a form, approve applications would be receive a confirmation e-mail with your credit card information in it. This proves to be one of the most convenient ways to apply for credit cards today.



PAT