By financen | April 25, 2008 - 6:35 pm - Posted in Credit Card

Different banks issue credit cards to their customers. You can also get a credit card from a retailer or a consumer store. This will allow the consumers to purchase goods and services on credit for a certain limit, interest rate and the time period. You will have options to choose from a variety of cards, depending upon your requirements. Either you can apply for a credit card online or you can get it done through paper application or by phone.

  • Following the steps on how to apply for a credit card:

Step 1: Get all the necessary information about the credit card plans, rates and the interest charges. You will find all that necessary information from the credit card company through internet, personal finance magazines and in newspapers.

Step 2: Apply for the credit card of your choice. You can get it done online or by submitting the paperwork with the credit card company. Make sure that the application form you are filling is endorsed by the credit card company and is an original document. Photocopies are invalid.

Step3: While applying on phone, call the toll free number of the credit card company of your interest. You can find their number online on their websites or through yellow pages, newspapers or magazines. Follow the automated instructions that you hear on the phone.

Step4: Online applications are a much easier process. It is perhaps the fastest and the most preferred method when you apply for a credit card. Go online and search for the different credit card options offered by the credit card companies, financial institutions and stores.

Step5: When you have decided for a credit card, make sure that you have reviewed their fixed or fluctuating interest rates, APR, credit limits, interest free days, penalties, grace periods, schemes for cash advances and balance transfers. Different credit card companies also offer limited attractive offers. Make sure that you have reviewed all the implied costs.

Step6: When you figured out the credit card you want to go for, search for applying options online.

Step7: Review the preconditions attached to the credit card like driving license number, social security number, date of birth and address proof. You don’t need to have a bank account with the same credit card company, nor you need to maintain a minimum balance if you have a bank account with them.

Step8: Once you have reviewed the application form, fill in the details and check everything before submitting the application form. It is always necessary to read the privacy statement before you apply for a credit card.

Step9: You can also apply for multiple credit cards; provided you have a good financial background and you know how to use the credit cards.

BTW, do you know the meaning of “solicitar tarjeta de credito“? It means apply for a credit card. It is the Spanish term.

This entry was posted on Friday, April 25th, 2008 at 6:35 pm and is filed under Credit Card. You can follow any responses to this entry through the RSS 2.0 feed. Both comments and pings are currently closed.

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