You don’t have to leave the comfort of your home to apply for a credit card nowadays. Actually, you can do it via your smartphone while heading to work or strolling in a park. All you need to apply is your device (smartphone or laptop), Internet connection, and a good credit card comparison website, like Credit-Land.com.
Here, at Credit-Land.com, you can apply for a credit card online. You can find a card browsing the site or using our tools. Simply follow these rules below when looking for a new credit card to increase your chances to qualify for it.
- Check your credit score. Your credit score is very important as credit card issuers use it to make an approval decision. Of course, your credit score is not the only thing that is considered to approve your application, but it plays a major role. Plus, it will help you narrow credit cards down to a list of a few that are good for you. For example, if you do not have good credit, it’s unlikely you will be approved for a credit card with rewards and promo offers.
- Check your current credit accounts. Make sure your balances are not close to the credit limits. Ideally, you should not spend more than 30% of overall available credit and on individual accounts, otherwise you can increase your credit utilization ratio and as a result, your credit score will drop. So, try to keep the card balances low by paying more than just a minimum each month.
- Be selective. Don’t pick the first card you like. Only consumers with good credit history can apply for credit cards they like without a second thought. If you are establishing or rebuilding your credit, we would recommend using our card finder tool. It will show you credit cards based on the information you provide. Thus, your chances to qualify will be higher.