Apply for a credit card online using these simple tips.
While it’s possible to apply for a credit card in-person or over the phone, applying online is one of the most popular options thanks to its convenience, speed and security. In fact, you can usually complete an online credit card application form in around 10 to 20 minutes and get a response within 60 seconds of submitting it.
But if you’ve never applied online, or if you have concerns about the process, follow this step-by-step guide to help you with your next credit card application. We also go through tips on how to compare credit cards and the details you need to provide on the application to increase your chances of approval.
How to apply for a credit card online
1. Compare credit cards
This is an important step to help you find the right card for you. Start by thinking about what you want a credit card for and then consider the different features, rates and fees that are available on different cards. You can use different comparison tables to see features of similar cards side-by-side, or click “Read review” to read reviews of individual cards. You can also check the eligibility requirements to see if you’re likely to be approved for the card.
2. Click through to the credit card online application form
Once you’ve found the card you want, click the Apply now button. This will take you to a secure online application, where you can review all the card details before filling out the application form.
Credit card application eligibility requirements
Before you get started with an online credit card application, make sure you meet the eligibility requirements. These can vary between cards but usually include the following:
- Minimum age. You’ll need to be at least 18 years old to apply for a credit card.
- Residency status. Most cards are only available to citizens and permanent residents of the US, while some cards may be available to temporary residents as well.
- Credit score. You’ll generally need a good credit score to get approved for most credit cards. However, there are credit cards for those with poor credit or no credit history.
3. Provide your details and submit the application
Once you’ve confirmed all the card details, you’re ready to fill out the online credit card application form by providing a range of personal and financial details. This process usually takes around 10 to 20 minutes. Then, just hit the Submit button and you should get a response in 60 seconds.
What details do I need to apply for a credit card?
Personal and financial information
- Personal details. This includes your full name, date of birth and Social Security number.
- Contact details and address. You usually need to enter your phone number, home address as well as a valid email address.
- Current employment details. Enter your current employment status and your occupation. If you are self-employed, you may need to provide your accountant’s details.
- Employer’s contact details. Some banks may require you to provide the details of your employer, including the company name, address and contact details.
- Income. This is where you enter your regular income from employment. But some applications may ask for specific details, such as your before or after-tax income, so read each application carefully. Another tip: If there is an information button, click on it to get more information about what’s required.
- Monthly expenses. Some banks require you to enter the amount of the rent or mortgage payment you make each month.
Credit card features and information
During the application, you will be asked about different credit card features you can customize or request, such as:
- Balance transfer. If you want to take advantage of a balance transfer with your new card, you’re likely to need to request it when you apply for your new card. You’ll need to list the issuers of the current credit cards which you wish to balance transfer. You’ll also need to enter their respective card numbers and how much you want to balance transfer from each card. Keep in mind there may some limits of the amount you can transfer.
- Additional cardholders. If you want to share your credit card with a partner or family member, you’re usually given the option of including this request on your application. To add a secondary cardholder, you will need to share their details, including their full name, date of birth and any other requested information. Additional cardholders can also be requested after your initial application. Either way, you will still be the one responsible for keeping the account in good standing.
Tip: Review your online credit card application before you submit it
After you’ve completed the different sections of the online credit card application form, you’ll get a summary of all the details you’ve provided. This gives you a chance to check that all the information is accurate before you complete the application. In some cases, reviewing these details could be the difference between getting approved or declined, so it’s an important step to take.
Once you’re happy with these details, click Submit to finalize the application. Your details will then be recorded with the credit card provider and a credit inquiry will be recorded on your credit file. Most credit card providers will then give you a response within 60 seconds of applying. You may be approved, conditionally approved, declined, or the bank may ask for more information before making its final decision.
Application tips to get a credit card approval.
Compare credit cards
Bottom line
If you’re ready to get a new credit card, start by comparing a range of options. Once you find one you want to apply for, click through to the application, follow these steps and wait for the response. If you have more questions about the application process or what to consider before getting a new credit card, get in touch with us using the comment section below.
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