Friday, July 27, 2007

Mobile Credit Card Processing

Master The Credit Card Application
By Ron King

Once you decide to get a credit card, select the card that's
best for you. Pick the credit card company whose total package
of terms,conditions, interest rates, and incentives matches
your personal needs.

The information you'll need to supply to get a credit card is
essentially the same, whether you apply through the mail, over
the phone, or online.

Application Sources

Most credit card offers come through the mail. This is
convenient to review many different offers in writing in the
leisure and privacy of your home. You can take all the time you
need to read and review each offer in depth. When you're ready
to choose, you can provide the personal and financial
information requested.

All card offers arrive with an application form attached. Just
fill it out and send it in. All forms ask for the same
necessary details. The approval processes take a little longer
by mail, but you should have an answer within 2 weeks.

Another option is to go directly to your local bank branch and
apply in person for a card. This is practically the same
application process; only you are dealing with the bank staff
who can answer your questions in person. The approval time may
even be a bit faster because the bank knows your financial
status and can easily check your credit history.

Applying online is simple, safe, and fast. Just go to that
issuer's web site, click on the "Apply" link and the
application appears. Then carefully follow the instructions.
There's no waiting for the snail mail traveling back and forth.
Any details can be easily handled through e-mail.

Information You Need To Supply

Personal information: driver's license number, social security
number, date of birth, and current address.

Financial information: your employment, salary, banking
relationships, and credit obligations.

And Then The Waiting Begins

Once the application is sent off, the approval time varies.
Some card companies offer instant approval, while others take
as long as 2 weeks. The rate at which you are approved is
generally based on your credit history. Once you have been
approved, you'll be notified by e-mail, mail, or phone.

All the application processes work fine. Just don't apply for
too many cards at the same time. Creditors frown on this. Every
credit check shows up on your credit report. Too many hits at
once make creditors suspicious.

And a suspicious creditor is more likely to say, "NO."

About the Author: Ron King is a full-time researcher, writer,
and web developer. Visit to
learn more about this fascinating subject. Copyright 2005 Ron


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