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Applying for a Credit Card
There are so many different companies that offer people credit nowadays – from in-store credit cards from major retailers, which may or may not have a major credit logo, to gas credit cards, to bank branches offering major credit cards to their clients, you can find a credit card offer that fits your needs, no matter your current credit situation.
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Applying for Credit at Retailers and Gas Stations
When you go to large stores, you are bombarded with offers to apply for a credit card affiliated with that retailer, spouting discount percentages off your current transaction, and possibly future ones as well. Now, if you already have a credit card in your name you may just have to provide the card and your ID card; they will run your credit and see if you’re in good enough standing to obtain one of their lines of store credit.At DontSpendMore.com, you can compare and apply for low APR and 0% APR credit cards. These offers are ideal in terms of bringing down your interest expenses and also a viable platform to become debt free.
* This online application is subject to the terms and conditions as described in the Important Information Section of the application. |
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For most people, though, store credit is a way to obtain their first credit card, because store and gas credit cards are simply easier to obtain than major credit cards. That being said, a store or gas line of credit may have higher fees associated with it, as well as a higher interest rate but the important thing about these credit cards is that they help people with no credit or poor credit to establish good payment history with the credit bureaus.
Applying for Major Credit Cards - Unsecured
You can apply for a major credit card. Applying for a credit card online is relatively simple, as you simply enter your personal information, such as name, birthdate, social security number and address, and they will compile your credit information and come up with a decision within a few minutes. If you’re approved for one of their cards, they will let you know right away, otherwise you’ll receive a notice in the mail as to the reasons you were declined for a card.Applying for Major Credit Cards – Secured
If, however, you’re turned down for a major credit card due to your credit history – either poor or lack of one – that doesn’t mean you can’t still obtain a credit card. You can look into the benefits of getting a secured credit card, which is a card that is basically backed up by your own bankroll, rather than a creditor’s.
You provide a deposit, and your available balance on the credit card is based on that deposit. You will still be required to make payments on your secured card, and if after a set period of time you’ve shown excellent payment habits (paying the minimum amount due or more on time each month) then your deposit may be refunded and your card reverts to an unsecured line of credit. The best part about secured credit cards is that they, too, report to credit bureaus, so you will be establishing credit through the bureaus as well as the bank that issued you your credit card.
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