satandra b asked:


I do not have a credit card and I would like to get my credit score online. Do anyone know a good wed site that does not ask for credit card info?

KIM

Nick Makaryk asked:


You probably get credit card offers in the mail on a daily basis. All of them will tell you that you’ve been pre-approved for a card; you need only call the number provided to get your card. Of course, you as often as not will call these numbers only to wait a long time (even months!) waiting to find out if you have actually been approved for a card. Because of this, online credit card applications have come along – when applying online, you get your answer in minutes instead of weeks.

If you have good credit, it shouldn’t be any trouble to get a credit card over the web. In fact, these cards often have better interest rates than other credit cards. You should know your credit score before you apply for a card, but the internet makes this information easy to locate. There are a multitude of websites which will give you this information for free.

You should check your credit report two to three times a year to catch anything unusual.

Being turned down for a credit card can be detrimental to your credit rating. These denials will show up on your credit report. You should make an effort to fix any problems which show up on your credit report – which may be easier said than done. You should, however, take care of any problems as soon as you can to protect your credit rating.

Knowing your credit score can make the decision of which credit card to apply for easier. You can get your answer within minutes.

Ay application for a credit card is going to require you to furnish some personal information, such as phone number, address, name, SSN, age, income ad so one. Not providing this information will lead to your application being denied.

Before applying for that credit card, be absolutely sure that you understand all of the terms of the contract; it’s legally binding, so you must understand the rules before you apply.

The terms of service will be right there on the website for the credit card company that you want to apply for a card from. If this information is not present, move on to another company. The most vital piece of information you need about the card is the APR.

Research any site you are considering applying for a card from. After all, you’ll be giving your personal information to this site, so it has to be secure.

An encryption standard of less that SSL 128 bit should be a no-go (or at the very least, think carefully before applying here). SSL 128 bit is the industry standard and is considered to be secure.

Before submitting your application, check and check again through your application to make sure there are no errors there. You’ll have your answer moments after sending you application in. For the most part, this will be an on screen notification, though it can also be sent by email. If your application is being turned down, they will give you some information on why the application was denied.

If your application is approved, you’ll get your card in a few days via the mail. You’ll be able to activate ad use it as soon as it comes in the mail.

It’s easier than ever before to apply for a credit card; online, you’ll get an answer almost instantly, rather than waiting weeks and weeks for an answer.



MASON

Nick Makaryk asked:


Credit card offers come in the mail everyday. They all claim that you are pre approved to receive a credit card. All you have to do is call the number to apply. The problem is that once you have called, you spend weeks, sometimes months to receive notification that you have been approved or denied. This has led to the development of online credit card applications. When you apply online, you receive an answer within minutes instead of waiting long periods of time just to find that you have been denied.

A person who has good credit should have no problems obtaining a credit card online. Often you will find that credit cards online have better rates than other card companies. It is important that you know what your credit score is before you apply and using the Internet to find it is very fast and easy. Many sites offer free credit reports for consumers.

It is recommended that you check your credit report at least twice a year to catch any discrepancies.

When you are denied a credit card, it will show on your credit report. This can further damage your credit rating. It is important that you fix any problems that do not look favorable on your credit report. This may not be as simple as it sounds, however it is very important that you take care of it as soon as possible to avoid any further damage to your credit rating.

When you know what your credit score is, you can go online and apply for the appropriate credit card. It takes minutes to get an answer.

All credit card applications will ask for personal information. This includes your name, address, telephone number, social security number, age and income and employer. Failing to provide any of this information will result in a denial of the credit card.

It is important that you understand all of the terms of service before you apply for your credit card. Once you have signed the contract it is legally binding. You cannot claim that you did not understand.

The TOS will be listed on the site that you choose. If it is not, choose another site. The most important aspect is to know what the APR is for the card that you are applying for.

It is important that you research the site that you are applying to. You will be giving your personal information online, and you want to make sure that it is a secure site.

An encryption of anything less than SSL 128 bit is leaving yourself open for identity theft. This encryption level is the standard and is considered to be hacker proof.Thereby ensuring that your information is safe and secure.

When you have finished filling out the application, double check it to make sure there are no errors. Once you send it, you will have your answer within minutes. Most companies will notify you on screen; however, some will send an answer in the mail. If your application is denied, than you will receive notification and the reason why.

When your application is approved, you will receive your card within a few days. It is sent through the mail and available to use upon activation.

It is now easier than ever to apply for a credit card. When you use online methods, your answer is just a mouse click away. It is no longer necessary to wait weeks to get an answer to your credit card application.



NUMBERS

Mario Churchill asked:


Thanks to the advancement of technology, particularly the internet, people now has a way to communicate cheaply, and even do some shopping. In fact, applying for credit cards is now possible through the internet. You will see that applying for a credit card online will be much faster and easier than ever before.

Online application for credit cards means no more hassles of visiting credit card issuers, such as banks. All you need to do is go to their website and fill out the application form.

Although this may sound easy, the hard part in applying for a credit card is still getting an approval. Of course, you still need to consider your credit rating in order to make sure if your application will be approved or not. If you have a good credit score or credit rating, you will have an easier time when applying for a credit card online. So, before you even think about filling a credit card application online, you first have to make sure that you have a good credit score.

You also have to consider that you need to know about the different offers of different credit card companies. Even if you do have a good credit score, you still have to know about the different features of the credit card you are trying to apply for. There are several factors you have to look for in order to make sure that you are applying for a good credit card.

The first and perhaps the most important factor thing you should ask about is the annual percentage rate or the APR of the credit card. Even if the credit card is offering low interest rates and zero annual fees, you should know that the APR is the determining factor on all the different fees that is related to the credit card, which will include cash advances, late payments and even your monthly bills.

Also, you have to remember that there are spywares circulating in the internet today and fake websites as well. Make sure that you don’t visit just any website on the internet that is suspicious-looking. Always remember that you should always visit websites that are legitimate. To make sure about a certain website, you should try and call the credit card issuer and tell them you are interested in applying for a credit card online.

You should also make sure that your computer is free from any spyware. To do this, you should get the latest and the most reliable anti-spyware software available. By doing this, you will protect yourself from identity theft or fraud.

As you can see, the risk of identity theft is also present when using the internet. So, make sure that you don’t provide any financial and personal information if you don’t have any anti-spyware software installed in your computer or you are not sure about the website.

With all the necessary security measures, you can be sure that your application for a credit card online will be fast, easy and convenient. Just make sure that you should first shop around in order to get the best credit card offers possible.

These are the things you have to remember when applying for a credit card online. Always remember that security as well as knowing what to look for is very important when applying for credit cards online.



DUANE

Andy Owen asked:


We get credit card applications via mail, and we all know how they work. While many credit card offers in the mail are already approved in advance, you still have to wait weeks and weeks to get a response. These days are long past. The Internet makes everything easier and a response to an online credit card application takes minutes, not weeks and weeks.

If you have good credit, you will be approved with no difficulties. Cards with better terms and prices will be available to you. Before you register online, you need to know how good your credit is. You can always get a free online report and check this yourself. If you do this at least twice a year, you will always know where you stand with your credit.

There is no better time then now to check your credit, particularly if you don’t know it or it has been a long time since you last checked it. Resolve any aspects of the report that are not beneficial. Remember that being rejected for a credit card can affect your Credit Score as well, and plays an important role in future offers.

After reviewing your credit report and making any necessary improvements, you can apply online for an immediate answer. Regardless of the credit card company you will be asked questions like your name, phone number, Social Security number, age, employer and income.

When filling out an application for a new card always check the terms and conditions. Look at the APR and make sure there are no surprises. After submitting the application, with your social security number, they will pull your credit report and use it to decide if you are eligible for a card.

Before filling out an application online make sure the site is encrypted. The standard SSL encryption these days is 128-bit, which will ensure that the information is protected. If the site is less than 128 bits, it is possible for others to steal your data – which could lead to identity theft.

An online credit card application can provide a response within minutes. If you are approved, it can be as little as a few days before you receive your card. If you are not approved you will be mailed the reason why. With so many online choices it is easy to find an instant credit card application that is best for you.



LOWELL

marsel asked:


Do you have tons of purchases but sometimes don’t have enough cash in your wallet? Don’t you wish there was a way you can make payments without cash, with secure and convenient transactions? Such is the awesome benefits offered by credit cards. These plastic items can do more than just help you make payments when you are low on cash. Credit card offers today come with security features as well as special perks and rewards for their cardholders.

These days, thanks to the wonders of the World Wide Web, you can even select and apply for your credit cards online. A lot of the major credit card companies today offer this convenient option from their websites. If you know how to answer an online questionnaire, then you can easily apply for a credit card online.

If you first haven’t decided from silver, gold, or platinum cards, then you can make a checklist online. Most credit card company websites let you list down what you are looking for in a card, such as free reward credit cards, airline mileage credit cards, no annual fee credit cards, low interest rate credit cards, online card statements, and the like. After a few minutes, the website will generate a list of their card types that are most suitable for your preferences.

From here, all you need to do is select the card you want to apply for. The online questionnaire will require you to fill in fields for your name, social security number, address, phone number, monthly income, and others. After you have completed this form, you will be notified via mail of phone regarding the status of your application. Processing may take a few days, so be patient. These companies process a good number of applications per day, and since they are done online, a lot of interested people take the time to do so.

What are the factors that help credit card companies decide on who they will approve? First of all, it is vital that you have a good credit score. Credit scores are highly important and let these companies find out if you will be able to make payments on time. You can maintain a good credit score by paying bills on time, especially if you have loans.

Why else is online credit card application better than applying via snail mail? For one thing, you can check out all your best options from the hundreds of possible cards that you can apply for. You can easily find out which card suits your needs best, so you won’t regret it when you get your bill and be surprised by hidden charges and fees. Online credit card application is convenient, and you can do this securely.

Be sure you browse through the websites of reliable and reputable card companies online. Most of the credit cards that allow online applications offer their clients insurance for lost cards and you can get bonuses like rewards points which you can exchange for prizes. Before you make that decision, look at all your options, and don’t hesitate to make phone calls or email inquiries.



MERLE

EJM asked:


Received pre-approved offer in mail for Chase Visa Platinum credit card, applied online using offer code and received email response after submitted:

“We will notify you of your approval status in 30 days by U.S. Mail…etc.”

Does anyone have any experience with this kind of response and what it could mean? Good sign, are they actually considering the application or is it a bad sign for getting approved? Are online credit card normally applications immediately approved or not?

I only have 2 cards, not high limits and good credit score.

DWAYNE

C.R. Hayes asked:


Many times when you choose to fill out an application on the internet, online credit card approval can be done instantly. You are asked to give the same information as you would on a paper application that comes in your postal mail box. But rather than wait for the mail delivery and processing time, some people are more anxious to receive notification instantly.

Card issuers use the latest high-tech secure programming and fraud protection to protect the data you enter. So there is no need to worry about just where your financial information will end up. Make sure though, that the web address in your browser bar begins with ‘https’, which signifies a secure internet connection.

One of the biggest advantages of searching and applying online is that you can do side by side comparisons for different bankcards offered by different providers. You can also narrow them by the category you need, such as:



0 interest

bad credit

travel rewards

those for college students

cash back cards

and more



When you get your choices narrowed down, you need to compare all of the fees associated, like:



annual fee

APR

interest rate

late fees

any other cost that may apply



You will want to know how long any promotional rates will last too, if applicable. It’s not uncommon to find that 0 interest rates can apply up to the first 6 to 18 months of your account.

If you are more inclined to opt for travel rewards or cash back features, make sure you get the most benefits and perks you can while still keeping your fees and interest rate as low as possible.

Before you apply, it would be a good idea to get a copy of your latest credit report and know your credit rating. After all, issuers base your acceptance according to your credit score. The higher your score, the better deal you will be offered and approved for.

Everyone in the U.S. is allowed one free copy of their credit report every 12 months. The Fair Credit Reporting Act (FCRA) requires this of each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion. You can order yours by phone by calling 1-877-322-8228, or by visiting annualcreditreport.com.

Online credit card approval can be both instant and convenient for the application and approval process, but you will usually have to wait for the actual card to arrive in your mailbox before you can use it. Nevertheless, you will still receive it sooner than if the entire process was done through the mail.



ISRAEL