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There are many sources where you can file the initial credit card application. These include banking institutions, credit companies and other agencies. The Internet is the simplest way to locate your preferred credit card issuer. When applying for a credit greeting card, most companies need information such because name, age, address, social security quantity, any former address of yours, profession, employer, and annual household income. These records are adequate for the credit company to verify your credit rating, which is the major criterion with regard to approval or rejection. Annual percentage rate (APR) often varies together with your credit score. That is, a high score can get you a low APR. Most first charge card application forms contain certain clauses written in small print. Company salesmen are often outspoken about the benefits of their transactions. But these fine prints often carry conditions which are disadvantageous to you. One important thing to check on i
s the APR. Most credit companies tempt you having a low initial APR score. Remember that it's the long term APR you ought to weigh most, not the short phrase. A US citizen who is 18 years old or older (the limit is reduced some states) has the legal right to demand credit cards with any US bank. Generally, credit card providers do not want a bank account to obtain a card. It is also possible to request many credit cards at any given time. But multiple applications can affect the credit rating negatively. With great competition existing within the credit card market, most credit card providers search for an easy means to attract brand new businesses. They provide special gifts on many occasions for example Christmas and holiday shopping seasons.






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