I Want A Credit Card

Whether you are applying for a credit card for the first time, or a pro ready to switch to a new low interest rate credit card, I Want A Credit Card will find you the best online credit card deal to suit your needs.

I Want A Credit Card

I Want A Credit Card - ASAP

I want a credit card and I want it now! Wouldn't it be wonderful if it were that easy? For the majority of us, once we have made the decision to find a credit card that meets our needs, we need the application process to happen as soon as possible.. And there are plenty of credit card websites offering instant credit cards, but does it really happen instantly? I don't think so! So I thought I'd put the question to the test, and find out just how much time it takes from telling yourself "I want a credit card", to actually holding the card in your hand and in a postion to use it.

I began the exercise by getting a copy of my credit report, which I realized I would need in order to find out exactly those cards I would qualify for. That process took two days but I did travel down the 'free credit report' path and maybe had I paid I would maybe have received it sooner. I did not have perfect credit but was in good shape and my score was above average, so I was positive that I would have a good choice of cards available to me. That afternoon I spent time on my PC perusing the large amount of credit card web sites especially those that offered the chance to compare similar cards from all the different issuers. I was now 3 days since my 'I want a credit card' decision and accepted that I was now in the right position to fill in my online application.

I accurately submitted my application on a web site offering instant credit card decisions, at about 8.30pm, one Thursday evening and checked my email inbox the following afternoon. The only email from the card issuing company was an automated reply confirming that my application had been received. I had no further response from the card issuing company until the following Monday afternoon at which time I was 7 days from when I originally told myself, "I want a credit card". A financial associate from the card issuing company called me on my cell just to verify a few answers to questions on my application. Having straightened out those points I was told that I would get an answer from them, by email, 'within a day or so'.

It was 35 hours later when I got the email response I was waiting for, confirming that my application had been a success and that I should have my plastic 'within a matter of days'. It was precisely ten days after that my card arrived (7 business days), and my maths showed that from making the decision, 'I want a credit card' to actually clutching my plastic in my hand was 19 days.. Not very good for an instant credit card application! Not! Keeping in mind that my application was straightforward with no extra delays for further investigations into my credit history to be made, I am now thinking that there is no such thing as an instant credit card. You might be wise to consider my experience the next time you tell yourself "I want a credit card and I want it instantly"!

Why Should You Apply For A Credit Card Online

Sometimes the credit card companies make it really enticing to apply for a credit card online or accept that great balance transfer option by filling the mailbox with a daily barrage of pre-approved and pre-screened offers - just sign the dotted line, drop the postage paid reply in the mailbox, and receive your new credit card by mail within a couple of weeks. It really couldn't be much easier. But do you know the reasons why you should apply for a credit card online instead of by mail?

Applying Online Is More Secure - If you've ever given any consideration to how the mail is processed, just how much of it there really is, and how many times it's handled before it reaches its final destination, it really is a wonder how that mail finally ends up where it's supposed too. Let's face it - each step along the postal way, there's a perfect opportunity for your application to be lost, delayed, or compromised. With all of the sensitive information listed right there on the application, an identity thief would have pretty much all they need just by swiping the piece of mail for themselves. When you apply for a credit card online, there are no worries to be had about whether your application has ever been delivered.

Usually an Instant Decision Online - Applying for a credit card online has another distinct advantage as opposed to mail when it comes to speeding up the whole process. Many times, online applications are approved in just seconds while you wait - no need to wait a week for a paper application to be delivered and another week before it's ever opened by the receiver. When you apply for a credit card online, you'll have that new card in half the time it takes when applying by mail.

Get Signed Online All at Once - There are numerous benefits to taking advantage of a credit card's associated online account center. From being able to handle online payments, to reviewing the latest charges at any time, and for having access to all of the latest promotions and deals, managing a credit card account online is definitely the way to go. And many times when you apply for a credit card online, you'll automatically be given access to that account center right away with no extra effort necessary.

Applying Online Makes Comparison Easy - It's human nature to try and score the best deal and to know that we're getting the most for our money. Therefore, it should be no surprise that comparing credit card offers to find the perfect match should be a priority. Unfortunately, it's really difficult to compare credit card offers that arrive by mail. By using the available tools to compare and apply for a credit card online, that hurdle is simple to overcome. Finding all of the information needed to make a prudent financial decision is a breeze online!

There are plenty of reasons why you should apply for a credit card online instead of through the mail. If you've never tried the process before, you'll be pleasantly surprised!

Save money at the gas pump with the best gas credit card. Those who like to travel should apply for an airline credit card offer. Business owners should look online for the best small business credit card.

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