How Do I Get A Credit Card? – How To Apply For A Credit Card Online

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How Do I Get A Credit Card? A credit card is mostly issued by banks to enable cardholders to make purchases on credit with the basis of paying the bank back. There are lots of cards that comes amazing rewards, perks, miles, points etc. To enjoy every bit of a CC, you will need to get one.

The question here is, how do I get one? Firstly, you need to know the kind of card you’re going for. What exactly do you need? If you are able to answer this question, then you will know what particular card you should be looking for. For instance, if you travel frequently, and you need a CC to make your purchases book flights, etc. Then you should look for the best cards that offer amazing miles or points when you use it for flights purchases.

How Do I Get A Credit Card?

How Do I Get A Credit Card

Why do you need a credit card? Getting a credit card can be a master key step in achieving your financial goal. CC can help you to achieve a credit score that will qualify you for the best interest rates on loans. With a CC, you build credit, with this you can achieve a good or excellent CC history, which gives you high chances of qualifying for loans.  To get a credit card, you need to apply first, if you’re eligible for the card, you will receive it within the next 7 working days.

Credit Cards Apply

To apply for a CC here are things you need to do

Check Your Credit Score

Before you go ahead to apply for a card you need to know your credit score. Most banks/CCs issuers state the credit range required for each card. So, knowing your CC score will guide you to best cards within your credit range. Some CC sites provide a medium for members to access their scores, which can be done online.

Choose The Credit Card  That Suit You

When you know what your credit score is, the next thing is to decide on the card to go for, which depends on what you want. There are cards that are best for miles, rewards, travel, cashback, low interest and many more.

However, while choosing a card, you can also consider factors like rewards categories, interest rates, intro bonuses, annual fees, redemption options etc.

Check Your Pre-qualification Status

some banks give a prequalify test to intending applicants. Thus, intending applicants enter their details to check if they qualify to apply for a card. For some card it’s not necessary to check if you prequalify, you can just proceed to apply if you’re eligible for the card you will know, if you’re not you will also know.

Moreover, that you prequalify for a card does not necessarily mean you will get it, it simply means you’re pre-qualified to apply for the card. If you don’t know how to apply for a CC, read below.

How To Apply For A Credit Card

There two easy way to apply for a credit card. You can apply by calling the credit card’s customer service agent on phone or by visiting their website. To apply by visiting the online platform, follow the directives in the section beneath.

Credit Cards Apply Online/How To Get A Credit Card Online

To apply online follow the directions below

  • On your browser and search for the CC website. Or visit https://www.creditcards.com
  • Find the card. Use the search box on the homepage to locate the card you want.
  • After locating the card, click on the Apply Now widget. It should take you to the application page
  • The application form will request for your personal info- such as your full name, address, phone number and date of birth.
  • It will request for your business details- your monthly or annual income
  • Provide your social security number (SSN)
  • Read the terms and conditions
  • Click the submit button.

The steps above are a simple procedure you take to apply for a CC online.

How To Boost Your Chances Of Getting Credit Cards Approval

To boost your chances of getting CC approval, you need to

  • Boost Your Credit Score. With a good or excellent credit score, you will have a greater chance of getting the CC. So, to boost your CC score, do the following
    • check your credit reports
    • Endeavour to pay down your existing debt
    • Request for credit limit increase
    • Become an authorized user.
  • Do not apply for multiple Credit Cards. Applying for multiple Ccs within a short period of time can result in a hard inquiry, which can temporarily bring down your score.

These are two ways to increase or boost your chances of getting a credit card.

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