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Credit Card Applications

Written by Kathleen Gagne
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If you get a credit card application mailed to your home that states that you have been pre-approved, you will still be asked to fill out an application or acceptance form. This is so that the company can verify that they are sending the card to the right person. You can also go online to fill out the "paperwork" now, and many credit card offers come with snail mail, telephone, or online options for accepting. The process has not only gotten more convenient, it has also gotten easier.

In many cases, you simply have to answer only about three questions beyond your name and contact information. There are some things you should consider when filling out credit card applications. First of all, you should not accept every offer; some of them have hidden fees and can be extremely expensive. (If you are trying to rebuild credit, you may have to consider more expensive cards, but you should still compare offers and take the best ones.)

Protecting Your Private Information

While your social security number may be in a lot more places than you know, it is still a good idea to take some steps to make sure who gets it with your approval. If, for example, someone calls you on the phone with a credit card offer, it is never a good idea to give them your social security number or any other information. If you provide your personal information to anyone over the phone or on the Internet, it should be to someone YOU contacted.

If you find a great credit card offer on the Internet, make sure it is a secure site and then fill out the application. This usually takes only a few minutes, and you will generally have an answer to your request for credit within hours. One final point about credit card applications; it's a good idea to keep the number of applications you make each year to a minimum. If you have credit issues already, having a lot of applications on your record will not help your score. Take the time to find bad credit credit cards online before you apply for a number of cards.


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