With busy work schedules taking up most of the day and half their night, people are engaged in online activities more than ever. They send emails to keep in touch with friends and business colleagues, to contact business partners, listen to music, to bid and shop online and do a number of other activities too. Apart from that many people manage their businesses with the help of the internet. They do all kinds of banking transactions, pay their utility bills, pay the employees and get engaged in several other activities. To do all this one needs the help of a credit card. If one can do everything over the internet, why not apply for them online too?
There are different types of credit cards all meant for different purposes in life. A person can go for:
– Gas Credit Cards
– Restaurant Credit Cards
– Hotel and Travel
– Home Improvement
– Sports Credit Cards
– Financial Credit Cards
– Charity Credit Cards
– Student Credit Cards
There is a special type of credit card called the emergency credit card and emergency replacement credit card. In both cases, the applicant will be issued a card, the first, if he needs a card in a hurry and the second, if he loses his first card.
One should have an idea of all the major credit card banks in town so one can do a comparative study before one really makes a choice. He should visit a website that will compare not just the banks, but the credit cards offered by them. This is quite easy and one can definitely get a better deal. Here are some banks that are well worth their credit cards – HSBC, BankWest Commonwealth Bank, ANZ, Virgin Money, ING, Citibank and so on. One can review all the credit cards to know the differences between their purchase rate, cash rate, annual fees and how to apply for them. Often the differences are graphically represented so the applicant can search through them quite easily and without wasting much time. Armed with all the information, the user can send in an application to the bank after making sure he is sending in a secure application. There will be an ‘Apply Here’ or ‘Apply Now’ button on the bank’s website; it is as easy as that. It is very important that the user enter all his personal information, address and social security number honestly and accurately.
How long the applicant will have to wait for news of his credit card will depend on which bank he is getting it from. Some banks give instant approval and some will take weeks to reply. The applicant will be informed through snail mail, e-mail or phone when his card is ready for processing. If the user already has a card, he can apply for another credit card; it doesn’t matter if he already has one or two more. But if the applicant’s total available credit is of relatively high proportion when compared to his income level, then he may be denied the card. Too many credit scores might dampen a user’s credit rating.