Q: Are online credit card applications secure? Yes!
All credit card applications available on this site feature Secure SSL Technology.
Q: What is the status of my credit card application?
Please do not send us your account number or personal information. We do not have access to the status of credit card applications or
specific account information. If you would like to find out the status
of your application, contact the credit card issuer by visiting their website or just give them a call. See our Bank Contact Information Page for assistance. [back
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Q: When will I know if I've been approved?
While
several credit card issuers offer "instant online approvals", not all
credit card companies are as quick to make a decision. In many cases it may take
a couple days, and in the worst cases, it may take several weeks to find out your approval status..
If
you need a credit card fast, please see our section on Instant Approval Credit Cards for credit cards which offer instant online approvals in as little as
60 seconds.
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Q: How long before I receive my credit card? Most
credit cards take up to 3 weeks to receive by mail. [back
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Q: What can I do if my application is not approved? Credit
card issuers are obligated to provide you with reasons for declining a credit
card application. You should receive something in writing within several weeks,
or you can contact the credit card issuer directly for a quicker explanation.
Ask the issuer whether you can make any changes to increase your chances of obtaining
a card. More information... Common
reasons for declined applications:
- Don't meet the required annual income.
- Already have several declined credit card applications.
- Credit report contains mistakes or unapproved activity.
- Poor credit rating or unestablished credit history.
- Your total available credit is too high relative to your income.
Of
course, you can always attempt to apply for another credit card. Since every credit
card issuer has different standards for evaluating and approving applications,
it's still possible to get approved for a different card, or by another issuer
whose standards may be different.
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