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Leo Zhu,

CreditLand Consultant on Credit Card Questions:

Having a credit card doesn’t always mean you understand everything about it. If you want to make something clear or you don’t understand something, you can always address to our experts. You’ll get explanation of problem you have in most clear and understandable way.

A single credit card application won’t hurt your credit score much. But if you apply for multiple cards within a short period of time, that may ruin your score significantly. Your credit score may be affected because every time you apply for a credit card or a loan, the lender reviews your credit report. This is known as a hard inquiry. They may stay in your credit report for up to two years. The more inquiries you have on your credit report, the more risky you are considered. Also, people with ... Continue reading

If you were rejected, the issuer will tell you why when they deny the application. Consider the reason and try to solve the problem. Before applying for another credit card it is good to wait a couple of months. Then check your credit score. After that you can apply for a credit card that fits your credit history. Continue reading

Once you have applied, you should receive a letter within ten days letting you know if you were approved and when your card will arrive. The overall process of receiving a credit card can take up to thirty days from application to receipt of the card. Continue reading

Not necessarily. Most credit card applications will not ask for your bank account details in order to apply – they simply require that you are 18 years of age, have a valid Social Security number, have adequate credit history, and can prove that you have a method of paying your bill. That means if you use a prepaid card in place of a traditional checking account, you can still apply for a credit card. Continue reading

In some cases, maybe – but usually not. And beware: most cards that are called “instant approval” or “instant decision” are for people with limited credit and will come with low credit limits and high APRs and/or user fees. Some cards will give you a response within 60 seconds, but usually you will not be able to begin using your card until it arrives in the mail a week or so later. Continue reading

Yes, you can have someone help you fill out your credit card application if you need assistance – just make sure it is someone you trust, like a family member, close friend or financial advisor. You will need to submit sensitive personal information such as your Social Security number and income, so you want to have someone trustworthy assist you in completing the form. Continue reading

The Credit CARD Act of 2009 says that credit card issuers must give consumers a minimum grace period of at least 21 days to pay off new purchases in full without accruing interest. Most credit cards give a grace period of 25 days before interest is charged on new purchases. Continue reading

Once you’ve decided which credit card is right for you, simply click on the “apply here” link to be taken to a secure site where you can enter your personal information. Depending on the card, you might be approved instantly or it may take a few days for a reply. Continue reading

When applying for a credit card, be ready to enter your full name, mailing address, phone number, and email address. You’ll also need to provide your Social Security number, the name and phone number of your employer, and your estimated annual income. If you are applying with a co-signer, you’ll need all of that information for that person as well. Continue reading

You may use the Credit Card Navigator at home page to find the card that is right for you. Plug in your credit score and what you want to use the card for including everyday purchases, transferring a balance, earning rewards, or building credit history and the tool will suggest credit card options. Continue reading

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