FAQ's about Applying for Credit Cards Online

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FAQ's about Applying for Credit Cards Online
Below are answers to some of the most frequently asked questions about the process of applying for credit cards online as well as questions regarding the security of online credit card applications.

FAQ

FREQUENTLY ASKED QUESTIONS:
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	Q: Is it safe to apply online?
	A: Yes. Advances in the technology of secure e-commerce have made online credit applications literally safer than filling out a paper application and mailing it through the US Postal Service. All credit card applications and others linked to from FindCredit.com feature Secure Sockets Layer protection (better known as SSL) and offer the highest level of internet security involving sophisticated data encryption. In short, SSL technology virtually guarantees that if you fill out a credit application over the Internet using a bank's secure application page, all your personal information can never be stolen or broken into. Compare applying online to a paper credit card application which you send by US mail. Think about how much mail is stolen per year or just gets simply "lost" and you will now realize that applying for a credit over the Internet is actually the most secure method you can find.

	Q: How long does it take to get approval?
	A: The time it takes for approvals varies from as quick as 30 seconds to as long as several weeks. Once a decision is made by a lender you will be notified by mail and/or email. Generally speaking, the better your credit the quicker you'll be approved. Please keep in mind the approval process is faster when you decide to apply online versus applying by regular mail. When you apply online your information is ready to be processed the instant it is received by the bank. Applying by mail means it could take weeks before your application is even entered into a banks computer. By applying online using the bank's secure application rathar than submitting a paper application through US mail, you'll reduce the overall time needed to process your application.

	Q: When will I receive my new credit card?
	A: If you are approved, generally speaking you wil receive your new credit card within 30 days, but the actual number of days does vary per credit card issuer. In some cases you will receive your credit card in as little as 3-5 days. Some banks will issue you a credit card number you can use right away where a physical credit card is not required (for example, shopping on the Internet).

	Q: Can I apply for more than one credit card?
	A: Yes. Many people have multiple credit cards. Only card issuers can decide whether they want to approve your application for a card or not. However, if you have more credit cards, at some point issuers may decide that your total available credit is already high relative to your income, and may decide not to issue you more credit cards.

	Q: What information will I need to provide for a credit card application?
	A: Basic information such as your name, home address, and social security number. Other information will be required and varies by issuer.

	Q: How do I cancel a credit card?
	We cannot cancel your a credit card account, it is your responsibility to do so. Listed below are some hard to find phone numbers to cancel service for some common credit card issuers: To cancel an Advanta credit card call: 1-800-705-7255 To cancel an Aspire credit card email: customerservice@aspirecard.com To cancel an American Express credit card call: 1-800-528-4800 To cancel an Capital One credit card call: 1-800-955-7070 To cancel an Chase credit card call: 800-432-3117 To cancel an Discover credit card call: 1-800-347-2683 To cancel an First Premier Bank credit card call: 1-800-501-6125 To cancel an HSBC Bank credit card call: 1-847-564-5000 To cancel an MBNA credit card call: 1-800-421-2110 To cancel an Pulaski Bank credit card call: 1-501-661-7700 To cancel any other credit card, you can obtain their phone number on the back of your credit card, from your bank statement, or follow the instructions from their website on how to cancel their service.

	Q. I have more questions, can you help?
	A: Yes. Our dedicated staff is here to help you in anyway we can. Just click on the contact us link at the bottom right of this page. Select the appropriate department and we'll get back to you within 24 hours.