Credit Card Resource - Online Credit Card Application Center
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Frequently Asked Questions

We're here to help you find the best deals for credit cards online. If you have questions about the application process, read these frequently asked questions to see if you find your answer. If not, no problem - contact us and we'll be more than happy to help!
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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 set!

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 and we’ll get back to you within 24 hours.


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