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