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Credit card issuers, use this option to give consumers enough insight about what can be expected from the card such as the interest rates, if an annual fee will be charged or if there is an option for a balance transfer, and even the various promotional offers and more. Once the consumer seems satisfied about the offer the consumer can now go ahead and fill out an online form. This form asks for enough details, such name, address, employment and even one's current financial standing.

Once these are filled based on the information given the system also pull up information on one's credit score and this way makes the approval faster for the consumer.

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