If you need a new credit card, going online is the first step toward getting one. Websites on the Internet will give you a wide variety of cards to choose from, a quick application process, and offer you valuable information along the way. Here's a step-by-step guide to help you apply online for a credit card.
Search the Internet
Looking online for a credit card is like opening up your mailbox and having it stuffed full of credit card offers. There are so many to choose from that at first glance, you may feel overwhelmed. This is not a bad thing; rather, it gives you a wide selection to choose from. You're more likely to find a card that fits your unique needs. Many websites are designed to help you find the right piece of plastic.
Evaluate your Options
Once you do a little searching, you'll see that credit cards are divided into a number of categories. Most websites list cards in sections such as low interest, cash back, rewards, instant approval, balance transfer, and more. You can also search according to the bank or card issuer of your choice, such as Citibank or Discover Card.
Before you select a card, think about what kind of financial position you're in. Also consider how you can make the card work for you. If you plan to pay off the balance each month, you might benefit from a cash back or rewards plan. If you're trying to pay off some debt, look into a balance transfer option. Cards that offer an initial 0% APR let you make a purchase and then pay it off over the next few months, interest-free.
Fill out the Application
Once you've studied your options and found the card that will work best for you and your family, you are ready to apply. To do so, simply click on an online application form. You will need to provide information for the request. Have things like your social security number, driver's license, address and housing information available so you can use them if needed.
While sending in your information through cyberspace may be a bit daunting, there is very little need to worry about it ending up in the wrong hands. This is because credit card applications are very secure and are made to make sure your information is sent directly to the company. Their business depends on your safety and the privacy of your personal information, so they work hard to make sure that happens.
Hit 'Send'
Once you submit the application, it will not take very long to receive an answer. Some credit card companies offer an 'instant' feature, meaning that you will know within a minute whether or not you have been approved. In other cases, you may be sent an email with the information letting you know. Generally speaking, if you have good or excellent credit, it is very likely that you will be approved for a credit card.
The next time you need a credit card, you can begin your search online. Once you find the right card, simply fill out an application on the Internet and send it in. The whole process is fast, easy, and free to do.
You think Chase and Citibank credit cards didnt send a bill reminder email so they can charge late fees?
This month I did not receive a reminder to check my statement. They keep sending you email to enroll solely in electronic communication so you have no record.
I always pay in full and on time and I use the maximum of their rewards programs, so I'm probably not a profitable customer for them. With all the financial trouble lately, I wouldn't be surprised if someone in the chain 'ordered' someone to do something. I know Chase and Citibank are the type of companies where bottom line is very important and if a fraction of the people don't reverse / notice the charge, then it would be very profitable for the particular group in this financial quarters results.
Anyone notice this? You can google credit card stories on how they will wait until the last minute to post your payment, so they can hit you with the fees.
This to me seems like a good way to also do it. "We sent the email, our records say! Pay the late fee!"
And yes I checked my junk mail box.
Answer
Citibank is scum. If you are 5 minutes late they will raise your rate to 23% and charge you 39 bucks, even if you are a long standing solid paying customer. They are only interested in stealing every penny they can from your pocket andf then doing any damage they can to you. I have switched to a lower rate card and am telling evryone I can find to do the same. Doesn't matter, even if they don't bill you they still expect payment. You are ALWAYS wrong, no matter how wrong THEY are. They are an poutstanding example of whats wrong with american business today.
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