| Getting a credit card used to be a | | | | later. |
| time-consuming business. You'd have to ring | | | | |
| or go into your bank, fill out a lengthy form | | | | You will also need details of your address |
| and wait for quite a while before you got a | | | | and postcode. If you have lived at this |
| reply. Although many people are still using | | | | address less than three years, you will also |
| that method, there's now a quicker way, | | | | need to give your previous address and |
| thanks to the Internet. | | | | postcode. In essence, you need to show a |
| | | | three year history of where you have lived. |
| How Do I Find An Online Credit Card | | | | Other contact details required include a |
| Application? | | | | phone number and an email address. |
| | | | |
| Most card issuers now offer online | | | | Home Ownership And Employment |
| application for their credit cards. Finding | | | | |
| one is as simple as doing an Internet search | | | | Most companies want to know whether you own |
| or visiting that company's website. In | | | | or rent your home and some may ask about the |
| addition, there are several credit card | | | | size of your mortgage payment. They will also |
| comparison sites that allow users to select | | | | want to know your occupation and employment |
| cards that match a range of features and then | | | | status. Ideally credit card applicants should |
| apply. Credit card applicants are required to | | | | be working more than 16 hours a week. |
| be UK residents and over 18. | | | | |
| | | | They will also require annual income and bank |
| Most online credit card applications now have | | | | details, including how long you've been with |
| a summary box which gives details of the | | | | the bank. Finally, you'll have to list the |
| rates that apply to purchases, balance | | | | types of credit cards you already have (Visa, |
| transfers and cash advances, the interest | | | | MasterCard, Amex, store cards and so on). |
| free period, fees and charges, how interest | | | | |
| is charged and how payments are allocated. | | | | All of these help credit card companies |
| There is also a link to the detailed terms | | | | establish what level of credit risk you are |
| and conditions. Once you've read these, it's | | | | and what credit rating you have. |
| time to fill in the application form. Here is | | | | |
| the information that most credit card | | | | Other Credit Card Services |
| applications ask for. | | | | |
| | | | Many online applications forms offer you the |
| Cardholder's Name And Address | | | | chance to take up additional services such as |
| | | | payment protection insurance, travel |
| To start with, you will need to give your | | | | insurance, household insurance and much more. |
| name. This is usually your full name - no | | | | |
| hiding that unwanted moniker from the credit | | | | You will also need to have details of any |
| card companies. They will also ask about | | | | cards that need to be transferred to your new |
| marital status and your date of birth. Credit | | | | credit card. |
| card companies also ask for your mother's | | | | |
| maiden name for security purposes. | | | | Once you've completed all these details, you |
| Applications are only taken from the | | | | simply need to wait a short while for a |
| principal cardholder. This means you can't | | | | response. Some card issuers respond within a |
| apply for a credit card on someone else's | | | | minute. It's worth knowing that there will be |
| behalf. However, you can add an additional | | | | some cases where they will ask for additional |
| cardholder at the time of application or | | | | information before issuing a credit card. |