Find & Learn Credit Card Application Guide

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Written By Online Figure

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Credit cards are getting popular as the online business grows. Having a Credit Card is now an essential need for online transactions. However, to be a cardholder, you must follow a specific Credit Card Application process as authorized by the card issuer.

Choose the Best Credit Card

Before applying for a credit card, you must analyze all the available credit cards and choose the card that suits you the best. For this, first of all, you need to compare credit cards based on the following assessment.

  • 0% Purchase
  • Balance Transfer
  • Best Credit Cards
  • Best Business Credit Cards
  • Best Credit Cards for Travel
  • Instant Approval
  • Low Interest
  • No Annual Fee
  • No Foreign Transaction Fee
  • Rewards Credit Cards

There are many other kinds of credit cards as well. But in my view, these are the basic and most used assessments available. Using the aforementioned assessment, you can scrutinize the best credit cards for you. Once you’ve finalized what kind of credit card you really need, the next step is to want for the company or card issuer.

Credit Card Issuers

A credit card issuer is a bank or credit union that offers credit cards. The Card issuer makes the credit limit available to cardholders and is responsible for sending payments to merchants for purchases made with credit cards from that bank. Well, there are hundreds of credit card issuers with respect to their kinds, but 15of them are the most reliable.

All the 15 top card issuers based in the United States of America. The top U.S. credit card issuers are:

  1. Chase Bank
  2. Bank of America
  3. American Express
  4. Wells Fargo
  5. S. Bank
  6. Citibank
  7. Discover
  8. Capital One
  9. Visa Card
  10. MasterCard
  11. USAA
  12. Credit One
  13. Barclaycard US
  14. First PREMIER Bank
  15. PNC

Some of them are Banks their-selves, some are just credit union,s and some act as both bank and credit union. In any case, they are financial institutes. However, you can still search for the credit card by interest rates, by comparing the rewards, by card types, by credit required, or by the issuer.

Here, I strongly recommend you to choose any of the aforementioned card issuers for a Credit Card Application.

Types of Credit Cards

In order to apply for Credit Card, you must know the basic types of credit cards. There are many types of credit cards you can compare. But mainly there are four types of credit cards. That includes:

  1. Business Credit Cards
  2. Prepaid Credit Cards
  3. Secured Credit Cards
  4. Student Credit Cards

All the issues issue any all of these credit card types. The applicant can choose any of the types depending on his/her status. So, choosing the right type is an essential part of a Credit Card Application.

The Credit Card Application Process

So, whether you want to sell your car, or want to buy weight loss supplements online, you need a credit card. And all credit cards have almost the same application method. Let us learn some basic card application requirements and procedural steps.

Application Requirements

  • Age Limit (Mostly 18+)
  • Social Security Number (SSN)
  • United States Of America’s Citizenship
  • Government issued Photo ID
  • An Honest Credit History

5 Basic Steps for Credit Card Application

  • Visit the official website of Card Issuer (Financial Institute)
  • Press the button related to “Apply Now
  • Fill the Application Form with the required information
  • Agree to the Terms & Conditions of Card Issuer
  • Submit the Application online

Once you’ve done all this, you can wait for the card approval or disapproval by the issuer. If your credit card application is approved, the card will be sent to your given address. However, in the case of disapproval, you will be notified soon.

Mostly, the applicant is notified within 5 to 7 business days. However, you can check the Application Status of your Credit Card Meanwhile online. I hope, you’d enjoyed the article. For more information, please do give us your feedback in below comment box. Have a nice day.

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Usman Swati, known as Mani Khan on Facebook and other Social Media, is an SEO expert, Graphic Designer, and Content Writer. He is an owner of many ranked websites and also working as an SEO for his clients.