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:: HOME :: CREDIT CARDS · Main Page · Card Recommender · Comparison Chart · Sort by Bank/Issuer · Top Five Credit Cards · Credit Card Specials · Sort by Credit Rating Main Categories · Balance Transfer Cards · Business Credit Cards · Cash Back Credit Cards · Fixed APR Credit Cards · Instant Decision Cards · Low APR on Purchases · Rewards Credit Cards · Student Credit Cards · Travel Reward Cards Other Specialty Cards · Cards for Parents · Gas Rebate Cards · Hotel Reward Cards Bad/Damaged Credit · Bad Credit Credit Cards · Catalog Cards · Debt Consolidation · Pre-paid Cards Credit Resources · Calculators - New! · Tips & Advice - New! · Credit Card FAQ · Credit Card Glossary · Credit Reports, Scores · Identity Protection · More Credit Resources :: LONG DISTANCE :: INTERNET SERVICE :: LOANS :: CELL PHONES :: INSURANCE :: ONLINE BANKING :: KNOWLEDGE :: MORE |
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Credit Card Tips and Advice Center Topic: Applying for a Credit Card See the subtopics menu for tips and advice about applying for a credit card. For additional information about credit cards, see the topic list directly below.
 Online Credit Card Applications SecurityHow safe is it for me to apply online? We take the security of your personal information very seriously and only partner with companies that utilize Secure SSL Technology to keep your information safe. Technology has come a long way since the early days of the Internet. For starters, online security is better than it used to be. Today's secure transactions are done online using a secure system for transmission of personal information. You can always tell when you're using a secure service because you'll see a yellow padlock on the bottom right hand corner, or the URL will begin with "https://". Banks are working hard to keep your information secure. Some banks require two forms of identification or two separate pin numbers for accounts. When you call a bank operator via the phone, they will ask you a series of questions to ensure your identity. Banks also take online security very seriously and take great measures via encryption and other methods to keep your information safe online. You can also enhance the security of your online experience by only submitting information on reputable Web sites. When in doubt, confirm for the "https://" at the beginning of the URL (on pages where you will be submitting personal information), look for any certifications or security seals that the Web site may declare or even research the details of the company yourself. Here at e-wisdom.com, we only link to credit card applications that utilize Secure Socket Layer (SSL) technology and secure your information using the latest data encryption technologies. You may also opt ot only work with larger banks and financial institutions online, as their online security is most likely up to the latest standards. Today, you can apply for credit cards online with little worry that your information will be collected by an outsider. When in doubt, a quick check of the Web site and/or company can put your mind at ease. ^ Back to top Old Credit Cards - Keep Them Or Cancel Them?Should I keep old credit cards or cancel them? Should you always cancel old credit cards that are no longer used when you open a new credit card account? The answer to this question depends on several factors that vary from person to person. First, how much total credit do you have available to you? Too little credit can potentially be a bad thing. Make sure that you will be comfortable with your total available credit before closing an old credit card account. However, too much credit can potentially be a bad thing, too. Do you really need the additional credit available through the new card and the old one? If you do, you might want to keep the old one. But be aware that more credit available now can lead to more debt down the road. Finally, what other advantages do the old credit cards have? You may want to keep it to earn rewards or receive other special savings at a later time. Another possibility would be to have a credit card available only for emergencies. In some cases, it can be beneficial to keep old cards and not cancel them. If you have a positive history with a specific credit card, paid off all balances and made every payment on time, keeping this credit card account active can potentially affect your credit score in a positive way. Even if you no longer use the card, your credit score can still benefit from the card's positive history. All things considered, it's often best to keep -- not immediately cancel -- old credit cards when you get approved for a new card. Take a short time to look at all factors involved before deciding whether to keep the old card or not. Don't make a quick decision without researching how closing an old account may affect your credit score. ^ Back to top Apply for a Credit Card OnlineCan I apply for a credit card online? Applying for a credit card has never been easier thanks to the latest online technology. These days you don't have to mail in a credit card application, but instead you can apply for a credit card online. Thanks to the ability to encrypt the information you type in for the application, your personal details are safe. When you apply for a credit card online, expect to provide the same information needed on a paper application. This typically includes your name, address, date of birth, social security number and employment information. The information will then be verified against your credit report. In some cases, you will even receive immediate feedback if you have been approved for the credit card. ^ Back to top Credit Card Applications And CosignersWhat do I need to have a cosigner for a credit card? Ever wonder how to apply for a credit card with a cosigner? It's just as easy as any credit card applications for one person. You generally need a cosigner if you have bad credit, or if you score low in credit ratings for one reason or another. A cosigner is a type of "safety blanket" for the credit card company. If for whatever reason you can't pay your bills, your cosigner is also responsible for picking up the payments. In the case of a cosigner, you need to be prepared with the information for the second person who will be added to the application. Often this is the same basic information you provided about yourself. Typically, the bank will need the name, address, social security number, date of birth, and employment information of the credit card cosigner. After the credit card is approved, you will both be held equally liable for the debt. If you are new to credit or have bad credit, a cosigner can be a good way to increase your chances of getting approved for a credit card. ^ Back to top Credit Card Fees For Overseas PurchasesWill I be charged a currency conversion charge for overseas purchases? Your credit card may charge high fees for overseas purchases. As of July 2007, some Capital One credit cards charge no fees on purchases made outside of the U.S. Many consumers are taking advantage of the convenience of using a credit card to get cash as needed instead of carrying traveler's checks. This can be a great thing until you realize you may be getting charged as much as 3 percent for currency conversion by your bank. On top of that fee would be any regular fees charged for using an ATM. Before your apply for your next credit card, you can easily find out what fees to expect if you plan to use your credit card for overseas cash advances or purchases. You can find the information in the terms and conditions provided by the bank about the specific credit card that you are interested in. Be sure to check the terms and conditions so that you are aware up front of any fees so that you don't get a surprise later. ^ Back to top First Time Credit Card ApplicationWhen will I be ready to get my first credit card? The first time you get a credit card can be exciting but carries with it a lot of responsibility. You need to be comfortable knowing that you will be able to make your monthly payments. When you have a steady income and feel ready you can complete your first time credit card application. Be prepared to provide basic information about you including your current employer and monthly income. Also be sure to thoroughly read over the terms and conditions of the credit card before applying online. This is important to you since it will list important information, such as interest rates associated with the card. The terms and conditions will also give you details on any fees attached to things like late payments or going over your credit limit. ^ Back to top Age To Apply For A Credit CardHow old do I have to be to get a credit card? Ever wonder to yourself..."how do I apply for my first credit card?" or "what should I do to apply for first time credit card?" Getting a major credit card like Visa, MasterCard or Discover is a big deal for a lot of individuals. The fact that they like you to be at least 18 makes it almost a right of passage into adulthood for some people. However, the age to apply for a credit card varies and you don't have to be 18 to get your first credit card. Many stores or gas credit cards are available to those in high school and can be easier to get than a credit card through a major bank. If you do get a store credit card, take care to stay within your credit limit and always make payments on time. This can be a great way to establish credit so that later you can get approved for a major credit card. ^ Back to top
Should you transfer an existing balance from one card to another? Use this calculator to help determine the best distribution of your credit card debt. Enter your credit card balances, rates and credit limits to find out. · Calculate which balance transfers will produce the greatest savings
 Resources: Credit Card Recommender | Free Credit Report & Score | Protect Your Identity
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