There are only two known modes of credit card applications available today. One way is by personal application (snail mail, long wait time) and the other is an online application which pretty much gives you an instant decision. Both of them are effective and convenient ways on how to get credit cards and so determining what is the best credit cards application method is difficult to do without taking into consideration the preferences of the person applying.
Personal application
Long before Internet reached the masses, people got their credit cards by personally going to the bank and filling up a credit card application form. If you do not mind the lines and the hours of waiting just to get a credit card, then personal application is for you.
Though it may seem old fashioned, personal application has its unique advantages too. For instance, if you are not Internet savvy, then personal applications can help you get your card without the risk of making errors on your application.
You can also have the customer care executive explain to you certain aspects you do not quite get like how they come up with your interest rate or how they determine your approval.
Online application
Nowadays, almost everything can be done over the Internet including credit card applications. Online credit card applications are very popular these days because you can get a credit card without ever leaving your desk. So if you prefer quick and easy applications, online credit card applications are the way to do it.
Surely, online applications are quicker and easier to do but you should know that there are some disadvantages. For instance, online applications are appropriate only if you are skilful in using your computer and surfing the internet — which pretty much most of us are. You are reading this article, right? One thing, though, you must make sure that the data you are submitting is being transmitted securely.
On the bright side, online applications is a great way to get a credit card as provides certain perks that personal applications do not. As a matter of fact, most credit card companies even prefer customers who apply online as it eliminates most of the paperwork and the processing costs thus, saving the company money. Because of this, card issuers offer certain benefits exclusive for online applicants like freebies, discounts, and even low interest rates. So in determining what is the best credit cards application mode, online applications surely has numerous advantages to boast.
No matter what mode of credit card application you choose, what truly counts is that you do it comfortably, easily and efficiently.
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