How To Apply for Credit Cards
1. Step 1
Read up and find out information about various credit card plans, different rates and terms
on the Internet, in personal finance magazines and in newspapers. Or simply call up the
financial institutions to inquire.
2. Step 2
If you do not want to apply online, get the application form for the credit card of your choice
and fill it out. Ensure that the application is endorsed by the credit card issuing institution
and is an original document, not photocopied.
3. Step 3
Just dial the number. Apply on phone, by calling up the toll free number of the credit card
company of your choice. You can find this number online, through yellow pages,
newspapers or magazines. Just simply follow the automatic instructions that you hear when
you call the number.
4. Step 4
The easy, no hassle way - Apply online. It's probably the easiest, fastest and most preferred
method of credit card application. Go online and search for the different credit card options
offered by different banks, financial institutions and stores.
5. Step 5
Do your homework. Compare the different features with regards to the fixed or fluctuating
interest rates, annual percentage rate(APR), credit limits, interest-free days, penalties, grace
periods, cash advances and balance transfers plans, attractive offers and other implied costs.
6. Step 6
Do not go blindly for what your friend chose. Choose one to suit your requirements and
search for applying options online.
7. Step 7
Check for the preconditions of applying, such as a driving license number, social security
number, date of birth and address proof. Usually, there is no need to have a bank account in
a specific bank, nor do you need to maintain a minimum bank balance.
8. Step 8
Fill in the details, double check the information included, read the privacy statement and
click on "Apply." Always check and confirm your details before submission.
9. Step 9
To increase your chances, you may apply for multiple credit cards if you choose. Howeve