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InCreditCards
Q: Can I apply for more than one credit card?
A: Yes, you can apply for more than one credit card. 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 they may decide not to issue you more credit cards.
Q: Can I apply for a credit card with any major U.S. bank?
A: Yes, you may do this in most cases. Any U.S. resident who is at least 18
years old (in some states this age limit may be different) has the right to
apply for a credit card with an issuer of his or her choice. The issuer does not
have to be your regular bank. Some credit card issuers, however, may not issue
cards to residents of certain states (please see the tables on our website for
any credit cards that may be limited to residents of only certain states). You
can also review the card issuer's disclosure statements for any limitations of
applicants of specific states. The disclosure statements are available for you
to see on the issuers' websites.
Q: Is an open checking account or any other account required in
the bank where I want to apply for a credit card?
A: No. None of the credit card issuers listed on this website requires you to
have any bank account open with their bank in order to be approved for their
credit card. It is common to have a credit card issued by a bank, or another
issuer, that you do not have any other ties with.
Q: Are the online credit card applications secure?
A: Yes, All Credit Card Applications linked to on this site feature Secure
SSL Technology.
Q: I was turned down for a credit card. How can I find out why?
A: A credit card issuer is obligated to provide you reasons for a decline of
your application. Contact the credit card issuer directly for the specific
reason and to see whether you can make any changes to increase your chances of
obtaining a card.
Q: What are some of the reasons I can be declined for a card?
- A: You might not meet the required annual income - If your annual income
is $20,000 or less, do not apply for a card that requires a minimum annual
income of $35,000. Apply for a card that requires lower annual income to
qualify. This may prevent unnecessary application rejections.
- A: Already have several credit card applications declined
- A: Your credit report contains mistakes or unapproved activity
- A: Poor credit rating or unestablished credit history
- A: Card issuer feels that the total available credit to you is already
high enough relative to your income - In this case, you may want to close any
account that you are not using before applying for another credit card.
Q: I recently applied for a credit card, but my application was
declined. If I apply for another credit card what are the chances that I will be
approved?
A: Every credit card issuer has different standards for evaluating and
approving applications. If you are rejected for a certain card, it is possible
that you can still be approved for a different card, or by another issuer whose
approval standards may be different.
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