Q: How do I get started?
A: Credit Card Resource has made finding and applying for the
right credit card easier than ever. To begin, think about what
you want from your credit card. Is it low interest rates? Cash-back
on every purchase? Free airline tickets? After you decide what’s
important to you, pick the category that best describes your
needs from the Credit Card Resource Home Page
or from the
navigation bar on the left side of the screen. The next page
will contain several credit card offers – just compare
the different features until you find the perfect card for you.
Then just click the Apply Now button, fill out the application,
and you’re all set!
Q: How does the application process work?
A: After you pick the card or cards that suit your needs,
all you need to do is click on the Apply Now button located
just under the picture of the credit card you’re applying
for. Be sure to review the terms and conditions of the offer
so there are no surprises when your first statement arrives.
If you’re comfortable with the terms, fill out the application
completely and accurately – and then you’re done!
Q: When will I know if I’ve been approved?
A: Approval for cards will vary depending on the nature of
the offer, the policies of the issuing bank, and the information
obtained from your credit report. Some credit cards offer
instant approval (visit our instant
approval credit cards page) while others may require several
weeks to render a decision. Be sure to provide the most accurate
and up-to-date information possible in order to ensure timely
processing of your credit application!
Q: Will my credit score play a role in the decision?
A: Definitely. Customers with high credit scores will receive
faster approvals, higher limits and lower annual percentage
rate (APR). If you have less-than-great credit, don’t
worry – you can still reap the many advantages of owning
a credit card.
Q: How do I find out what my credit score is?
A: There are a variety of ways to find out what your credit
score is, as well as a number of different reporting agencies
that track your credit rating.
Q: I’m not a U.S. Citizen – can I still
apply for a credit card?
A: Credit Card Resource can only offer credit cards to U.S.
Citizens over the web. If you are not a U.S. Citizen and you
want to apply for a credit card, contact the issuing bank
at the number found in the terms and conditions document associated
with your credit card offer.
Q: What kind of information will I need to complete
the credit card application?
A: Only the most basic information is needed to complete most
credit card applications. Be sure to have your social security
number, your driver’s license number, and your current
mailing address handy!
Q: I’m not a member of the bank that’s
offering the card I want. Can I still apply?
A: Of course! You don’t need to be a member of a particular
bank in order to apply for the credit cards we offer on our
site. Just pick the credit card you want, click the Apply
Now button, fill out the application, and you’re all
Q: Can I apply for more than one card at a time?
A: Yes. It’s actually not unusual for a person to apply
for two or three credit cards at once. Keep in mind that the
issuing banks review your credit information each time you
submit an application (this includes how many applications
you’ve submitted in the past) and at some point they
may decide that you have the maximum amount of credit extended
to you relative to your income.
Q: Is it safe to apply for credit cards online?
A: Absolutely. All online credit card applications utilize
the latest 128-bit Secure Socket Layer (SSL) technology to
encrypt the information sent from your computer. This means
the data transmitted is safe from third parties, so you can
rest easy knowing that your personal information is protected.
Q: I’ve received my credit card and I would
like to make payments, change my due date, or modify other
account information. Where do I go for this?
A: In order to complete these requests, you’ll have
to work with the customer service center of the bank that
issued your card. Contact information is usually listed on
the back of your credit card as either a toll-free number
or a web address.
Q: I have other questions about my credit card statement.
Where do I go for this?
A: The customer service center of the issuing bank is the
best source for information of this type. Look for a toll-free
number on your statement or the back of your credit card.
Q: Where do I report lost or stolen cards?
A: Contact your issuing bank immediately after you’ve
noticed that your card has been lost or stolen. If you haven’t
written down the number on the back of your credit card in
a safe place, visit the website for the issuing bank and call
the toll-free number provided.
Q: I have general questions about this site or the
application process. Who do I speak to?
A: We’re here to help you make intelligent credit decisions,
so if you ever have questions about our offers or you need
help picking the right card for you, email us at firstname.lastname@example.org
and we’ll get back to you within 24 hours.