{"id":692,"date":"2013-04-03T12:25:52","date_gmt":"2013-04-03T12:25:52","guid":{"rendered":"http:\/\/www.dontspendmore.com\/blog\/?p=692"},"modified":"2013-04-03T12:25:52","modified_gmt":"2013-04-03T12:25:52","slug":"how-to-get-a-credit-card-for-free","status":"publish","type":"post","link":"http:\/\/www.dontspendmore.com\/blog\/index.php\/how-to-get-a-credit-card-for-free\/","title":{"rendered":"How To Get A Credit Card For Free"},"content":{"rendered":"<p>By David<\/p>\n<p>If you have been considering getting a credit card, you may have been so overwhelmed by all the information that is out there to even know where to begin. In order to help you figure out <b>how to get a credit card for free<\/b> we\u2019ll give you a few tips about things to watch out for and walk you through the typical application process.<\/p>\n<p><a href=\"http:\/\/www.dontspendmore.com\/creditcards.cfm\" target=\"_blank\">Click here to get a credit card for free. Multiple offers, free comparison tools, rewards, and more.<\/a><\/p>\n<p><b>Things to watch out for<\/b><\/p>\n<p>Once you\u2019re ready to start applying for credit cards you\u2019ll want to remember a couple things to make sure that you <b>get a credit card for free<\/b>.<\/p>\n<p>1)\u00a0\u00a0\u00a0\u00a0\u00a0 <span style=\"text-decoration: underline;\">Prepaid Cards<\/span> \u2013 prepaid credit cards work on a different principle than a traditional credit card. Typically with this type of card, you\u2019ll add money and then spend it, making it more like a gift card than a credit card. As this type of card costs money up front you will want to choose an option for another type of card.<\/p>\n<p>2)\u00a0\u00a0\u00a0\u00a0\u00a0 <span style=\"text-decoration: underline;\">Balance Transfers<\/span> \u2013 If you need to do a balance transfer when signing up for your new credit card, you will want to be sure this transfer does not have any associated fees. If it does, your application may end up costing you those fees upfront. In this case try to find an offer that does not include these associated fees.<\/p>\n<p>3)\u00a0\u00a0\u00a0\u00a0\u00a0 <span style=\"text-decoration: underline;\">Annual Fees<\/span> \u2013 While an annual fee will cost you nothing up front, it will charge you once you have had your card for a year. This is basically a charge just for having the card and will show up each year, whether you use the card or not. Do your best to avoid offers that include these fees.<\/p>\n<p><a href=\"http:\/\/www.dontspendmore.com\/creditcards.cfm\" target=\"_blank\">Click here to get a credit card for free. Multiple offers, free comparison tools, rewards, and more.<\/a><\/p>\n<p><b>The application process<\/b><\/p>\n<p>Once you\u2019ve identified an offer that looks promising you can <b>get a credit card for free<\/b> by applying and awaiting a response. Start by going to the webpage with the offer and clicking \u201capply\u201d<\/p>\n<p>1)\u00a0\u00a0\u00a0\u00a0\u00a0 <span style=\"text-decoration: underline;\">General Information<\/span> \u2013 The first thing that will come up is a page for you to enter your information, such as name, address, age, and tax id information. Fill these fields out and continue to the next page.<\/p>\n<p>2)\u00a0\u00a0\u00a0\u00a0\u00a0 <span style=\"text-decoration: underline;\">Employment Information<\/span> \u2013 This field will ask about what you do for a living and what your average total annual income is. If you are living with others who are also working, you can add their income to this total. Enter the information in the appropriate places and move to the next page.<\/p>\n<p>3)\u00a0\u00a0\u00a0\u00a0\u00a0 <span style=\"text-decoration: underline;\">Options<\/span> \u2013 This page will typically ask a few questions about how you intend to use the card if approved and give you a couple options to choose from (such as paperless billing or express card delivery). Choose what you\u2019d like (but avoid things with fees) and go to the last page.<\/p>\n<p>4)\u00a0\u00a0\u00a0\u00a0\u00a0 <span style=\"text-decoration: underline;\">Terms and Conditions<\/span> \u2013 This will present the terms and conditions for your approval. Look through them and click the check box acknowledging you agree.<\/p>\n<p>Once you have done this you simply click \u201csubmit\u201d to send them your application and then wait for their response.<\/p>\n<p><a href=\"http:\/\/www.dontspendmore.com\/creditcards.cfm\" target=\"_blank\">Click here to get a credit card for free. Multiple offers, free comparison tools, rewards, and more.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>By David If you have been considering getting a credit card, you may have been so overwhelmed by all the information that is out there to even know where to begin. In order to help you figure out how to get a credit card for free we\u2019ll give you a few tips about things to [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-692","post","type-post","status-publish","format-standard","hentry","category-credit-cards"],"_links":{"self":[{"href":"http:\/\/www.dontspendmore.com\/blog\/index.php\/wp-json\/wp\/v2\/posts\/692","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.dontspendmore.com\/blog\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.dontspendmore.com\/blog\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.dontspendmore.com\/blog\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.dontspendmore.com\/blog\/index.php\/wp-json\/wp\/v2\/comments?post=692"}],"version-history":[{"count":1,"href":"http:\/\/www.dontspendmore.com\/blog\/index.php\/wp-json\/wp\/v2\/posts\/692\/revisions"}],"predecessor-version":[{"id":693,"href":"http:\/\/www.dontspendmore.com\/blog\/index.php\/wp-json\/wp\/v2\/posts\/692\/revisions\/693"}],"wp:attachment":[{"href":"http:\/\/www.dontspendmore.com\/blog\/index.php\/wp-json\/wp\/v2\/media?parent=692"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.dontspendmore.com\/blog\/index.php\/wp-json\/wp\/v2\/categories?post=692"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.dontspendmore.com\/blog\/index.php\/wp-json\/wp\/v2\/tags?post=692"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}