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What you Need to Get a Credit Card

Applying for a credit card is not as difficult as getting the credit card itself. What you need to get a credit card is a solid credit history, free from delinquencies. Your credit score and history will determine the approval (or denial) of your application and the type of card that the applicant will qualify for. Credit cards having low interest rates are difficult to acquire, since the credit criteria for them are much stricter than for the lenient credit cards with higher fees and interest rates. Other factors that are important for getting a credit card are explained below.

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Age Restrictions

For the applicant to get a credit card it is important that the applicant should be above 18 years of age. Legally, under eighteen applicants are illegible to get into any binding contract.

Hot Credit Card Offers
Hot Credit Card Offers
Type Brand Annual Fee APR Cashback Bonus Details/Apply
The First Progress Platinum Elite MasterCard(R) Secured Credit Card
$29 19.99% N/A


* This online application is subject to the terms and conditions as described in the Important Information Section of the application.

Steady Income

Credit card companies require the applicants to have a steady employment or a steady income. They verify with the employer depending upon the type of card the applicant is applying for.


Keeping in view the credit history of applicants sometimes a co-signer is required which gives the surety of making the necessary monthly payments if he card holder fails to do so. Having a cosigner increases the account limit of the credit card.

Checking Account:

Secured credit card companies ask for a valid checking account. Its requirement is necessary for automatically debiting the monthly payment for the credit card from the checking account. This option of payment prevents the issues of late payment or no payment by the card holder.

The benefits of Credit Cards

The major and foremost attraction of credit cards is that they allow you to borrow money anytime and they are more flexible than loans. When borrowing through a credit card it is entirely up to the card holder’s choice of how much to spend within the credit limit and how much to repay every month subject to a minimum percentage of what the holder owes the lender. But if the balance is not clear then the holder is charged with interest.


Credit card companies make money by charging card holders when they make late payments or if they exceed their credit limits. Lately, credit card companies have altered their ways of business in order to overcome such hassles. As a result of which balance transfers have risen considerably and the zero percent credit card deals have been replaced in some instances by cash back offers, point schemes and reward credit cards, all intended to encourage credit card holders to spend on their credit cards.

At, you can apply for your credit card online and receive an instant approval, where possible. That’s about as easy as it gets.

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