Credit Cards. Explore the best credit cards in every category as of November Get started! Check out our top picks of the best online savings accounts for November Get Started! Explore our picks of the best brokerage accounts for beginners for November Before you apply for a personal loan, here's what you need to know. Published in: Credit Cards Jan.
Good to excellent credit
Frequently Asked Questions
Secure Account Log In. Applying for a credit card can be exciting and potentially a little nerve-wracking. Follow these seven tips to help lessen the stress involved in the application process and to help keep your financial future healthy. Know the essentials about your credit report and score before applying for credit. Regardless of when you plan to apply for a credit card, get into the habit of reviewing your credit report on an annual basis. Visit AnnualCreditReport. Put together a plan to pay off debt , or at least reduce them to lower your credit utilization ratio, potentially improve your credit score, and improve your chances of a successful credit card application. Credit card companies may need to verify your income to determine if you qualify for credit. They may also review your current financial obligations, like rent or mortgage payments. You can also be sure you are utilizing all the benefits the card has to offer that you may not know about otherwise, such as rental car insurance, fraud protection or extended product warranties.
Improve your chances of being accepted for credit cards
The application for a credit card is usually done online and can be completed in less than five minutes, but the approval process is likely to take a lot longer. However, the time it takes to approve a credit card can often depend on the provider's own online system, and your credit score, as you can sometimes get an instant response or within the hour. In most cases the credit card provider needs time to manually assess your application, and this can take a week, or even two weeks. Uswitch's credit card eligibility checker won't affect your credit score and is quick, easy and free to use. From the moment you receive your credit card in the mail, you should be able to start using it right away. In some cases you may need to first call up the provider or register online to activate the card and set up a PIN.
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