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Banks and credit card companies are tenaciously seeking out for new customers and taking credit risks like never before. Now is your chance to have your Visa®, American Express® MasterCard®, or Discover® Card that can dramatically increase your credit score and financial lifestyle.

When you apply for a credit card and get two or three credit cards with cash options, they can provide you with thousands of dollars at your disposal right when you need it.

Having a CREDIT CARD today is no longer a LUXURY but a NECESSITY.

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When used wisely credit can help you increase your standard of living and eventually your net worth.

There are so many credit cards available. To find and apply for a credit card that will meet your individual needs can be time consuming.


Completing an online application is fast and easy, it takes around 15 - 20 minutes. The bank usually will get back to you with an e-mail response within 24 hours or respond by telephone or regular mail. If additional information on your application is required, this may lengthen the time required to respond. Once approved, you can expect to receive your card in the mail within 2 weeks.

Applying for a credit card is very similar to applying for a loan. The Bank or credit card company will check your entry on reference agencies such as Experian and Equifax to see if you have had credit problems in the past. Then they will take your personal information including your income, outgoings and any existing debt into account, such as: outstanding loans, balances on other credit cards and Court Judgements or defaults.

For fast approval, make sure that the application form is fully completed, and that all necessary supporting documents are included.

Other things Banks consider in order to give you LOAN or a CREDIT CARD:

  • your age,
  • your occupation,
  • the longer you have been with your current employer
  • the longer you have been resident at your current address
  • how long you have been with your bank
  • whether you have a home telephone


Your credit history is the most important aspect in their decision of granting or denying you credit.

Having a poor credit record won't necessarily prevent you from getting a credit card but will limit your options for acquiring it, especially a low interest one. Many card companies will consider giving credit cards to people with poor credit under certain conditions. Depending on your specific credit history, these companies may offer a basic card (one with fewer features than a gold card), higher interest rate and lower spending limit.

Having a bad credit history or no credit makes acquiring credit much harder. It can be a little frustrating when you apply for a credit card and get turned down.

Credit card companies target their cards at a specific segment of the market and have a credit score range that they are seeking from applicants.

When you don’t fall in between this credit score range, you are out of their target market and will have your credit card application turned down.

In that case you must apply to a couple more companies that are specifically targeting the section of the market you fit in. Credit cards have different credit level checks so if you get refused by one credit card you may want to apply for another.

Don’t be discouraged when you are refused for credit, chances are you are simply applying for the wrong type of card, for example, if you are a student, you will most likely be approved by companies that offer student credit cards.

In case your credit score is not high enough, you need to apply for a credit card with another provider, one that caters to bad credit individuals.

Once you have chosen which credit provider meets your needs, you can then Apply for a Credit Card from that credit card company.

Make sure to ask the credit card company why they denied the application.

Sometimes you application is denied because you have filled the form wrong, what can be easily corrected by reapplying using a correctly completed application form.

View and compare the range of credit cards issued by the bank and select the one that better fits your needs. Then submit a credit card application in seconds through the issuer's secure application form.

If you have no credit history, you need to create one by having a loan or hire-purchase agreement, before you can apply for a credit card. Also, get a copy of your credit history from a credit bureau agency.

Credit card categories:

  • Balance transfer cards
  • Low introductory rate cards
  • Business cards
  • Students cards
  • Bad credit cards
  • Cash back cards
  • Airline credit cards
  • Rewards credit cards
  • Some reasons your credit card application may be denied:

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    DISCLAIMER: The law will vary depending on your state, jurisdiction and the specifics of your case. The information provided by Consolidate-Credit-Card.Net is intended for educational purposes only. All the content on this website should NOT be considered professional advice or a substitute for professional advice. For such services, we recommend getting a free initial consultation by a licensed debt counselor in your state.

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