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SpinDistribute.com Article Directory

The following article was published in our article directory on December 1, 2011.
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Credit Card Application Explained

Article Category: Finances

Author Name: chickie maxwell

If you want to get a new credit card for yourself, then you obviously need to fill out a credit card application or two. There are lots of places where you can get applications. Some of these are sent to you through regular mail or via email. You can also find them online. There are different types of credit cards. You can also find numerous credit card companies at present. There are those that offer balance transfers while there are also those that promise low interest rates. There are also companies that offer special rewards and benefits. Some of the benefits that you can get from these kinds of cards include travel rewards like airline miles, cash back rewards and extremely low interest or even zero interest rates.

Even with bad credit, a person can still avail of a credit card application and possibly have it approved. It just takes a lot of hard work to find them. Just like other types of official forms, the application forms for credit cards need to be filled out completely . Besides the applicant's name and home address, other information needed in most applications are work information and a person's monthly or annual income . If you are planning on getting a balance transfer, then the application form will require the previous credit card information as well.

Completing credit card applications was once only done in the office of the lending company. But now, it is possible to do it over the phone and online through the company's website. All of these may only take a couple of minutes. After filling out an application form, the applicant needs to wait for a couple of days or sometimes weeks before a reply is made on whether the application gets approved or not. If the application got denied, then the person will receive a letter stating the reasons why they found the person ineligible to get a credit card. There are also times when the message states that the person is not qualified for a certain card but still qualifies for another kind of credit card account.

If the person is denied completely, then he is entitled to get a copy of his credit report for free so he can evaluate the reason why the application got denied. There is often a name of the person or company to whom the unfortunate applicant can get in touch with to get a copy of his credit report. If the application is approved, then a letter will be sent through regular mail stating that the credit card application got approval from the company. Another separate letter will contain the actual credit card itself and another envelope will come that has the information sheet which contains the default PIN code of the card. The reason for sending the credit card and PIN code in separate letters is in case the letter containing the credit card got misplaced, it is still unusable because there is no PIN code.

Completing a credit card application takes no more than a couple of minutes. If the application is approved, then you will be on your way towards enjoying a whole new world of financial opportunities.

Keywords: credit card application

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