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วันอังคารที่ 18 มีนาคม พ.ศ. 2551
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Title: The Credit Card Application Process
Author: Jason Deines
Article:
When applying for a loan or other form of borrowing the
application process can be extensive and require a lot of
information. However, when it comes to applying for a credit
card the application process is simple and easy. When
determining whether or not to grant you credit, credit card
issuers tend to put a lot of emphasis on a person's credit
history and whether or not they have made their payments in a
timely manner. For credit card issuers to make an informed
decision on whether or not to grant credit to an individual they
need some basic information.
When applying for a credit card you will have to fill out a
credit application whether it is online or one you received in
the mail. Generally, there are ten bits of information required
to get the approval process going.
1. First and last name
2. Physical mailing address
3. Home phone number
4. Work phone number
5. Date of birth
6. Social security number
7. Employer name
8. Annual household income
9. Signature
10. Date the application was completed
As you can see the process of filling out a credit application
requires only a few personal details but combined these details
give the credit card issuer the ability to find out additional
information about you. Because this information is sensitive you
may choose to provide the information by calling the card issuer
directly via their 1-800 number or over the Internet on a secure
server.
Once your application has been submitted it can take several
weeks before you find out whether you have been approved for
credit or not. You may need to provide additional information to
complete the process. If for some reason you are not approved
the card issuer is required to send you a letter stating why or
you can call them directly and find out what the reason is.
Remember, just because you received a credit card offer in the
mail does not automatically mean you will be approved.
About the author:
Jason operates a <a
href="http://www.primarycreditcards.com">PrimaryCreditCards.com</
a> that provides information on how to manage your credit cards
and credit card debt along with resources to <a
href="http://www.primarycreditcards.com">compare and apply
online for a credit card.</a>
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