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Credit Card
Application | Top Companies: This Week's Reviews |
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| Services Offered:
Credit card application |
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| Company Overview:
During the 1986 SuperBowl, the Discover Card made its
debut. Since then, the company has become a leader in
the credit card industry. They were pioneers in rewards
programs and no-fee cards. The PULSE network of Discover
has more than 4,000 bank associations and well over
260,000 ATMs around the world. They now offer online
credit card applications, making the process even more
consumer-friendly. |
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| Our Review:
Discover card is one of the leading credit card
companies available. With all of the options for online
credit card applications, one can easily feel
overwhelmed. However, by sticking with a known and
trusted name like Discover card, you can’t really go
wrong. The credit card application is simple, the
website is easy to get around, and the customer service
is top rate, as you would expect from Discover. |
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| User Review:
I have always wanted a Discover card, so when I went
hunting for a credit card application, that was
naturally my first choice. I expected that I’d find the
website with little trouble, but I didn’t expect the
forms to be so simple or to be instantly approved. The
customer service people were so helpful, too. |
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| Services Offered:
Credit card application |
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| Company Overview:
Credit Axis was formed in 2003. They are an online
company, specializing in credit card application
approval for those with less than perfect credit. They
also offer various loan options, including student
loans, business loans, and home loans. They have credit
resources and a network of more than 80 lenders to help
everyone get approved for the credit that they need. |
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| Our Review:
Credit Axis has one very alluring aspect for us. They
offer credit card applications and approval to anyone
who can apply, regardless of credit history. By working
with so many lenders, they can get the people with the
worst credit approved easily. Everyone deserves another
chance when it comes to credit, which is why this
company deserves a place in our list. Their customer
service is very helpful, and the website is easy to use. |
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| User Review:
Having a credit score of 475 doesn’t exactly make me a
creditworthy person. However, I needed a chance to prove
myself and get my life back on track, and Credit Axis
did just that. They helped me get a great credit card
that could help me repair my credit and prove to the
world that I can be financially responsible. I’m so
grateful for their services. |
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| Services Offered:
Credit card application |
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| Company Overview:
Bank of Internet was formed about 10 years ago as an
online-only bank and lender. The first of their kind,
they quickly became a leader in the lending industry,
and now hold more than $1 billion in assets. They offer
online credit card applications, loans, and banking
solutions for consumers and business banking. |
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| Our Review:
Bank of Internet is one of our favorite online resources
for credit card applications, banking, and lending.
Their online-only service is worrisome to some people,
but the convenience and the lower rates that you get on
credit and loans make it a great place to do your
banking. The company has outstanding customer service,
and a very professional website. |
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| User Review:
Bank of Internet was recommended to me by a friend. I
was really intrigued by an online company that worked
like they did. I did online banking with my bank, but I
was also able to visit a branch whenever I wanted to.
However, they had great rates on credit card
applications at Bank of Internet, so I gave them a
chance. I got a great card, and continue to receive
great service from them, which is wonderful. |
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| Services Offered:
Credit card application |
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| Company Overview:
In 2007, First Plus Platinum was established to offer
guaranteed credit card application approval for all
consumers. They have many different cards and programs
available to consumers. They serve thousands of
customers annually, and operate online only. The address
and phone contact provided are offered for account
holders and prospective customers, for informational
purposes. |
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| Our Review:
First Plus Platinum is another company that offers a
much needed service. There are many people who can’t
even look at a credit card application without knowing
that they will be denied. First Plus Platinum offers
anyone the chance to have a credit card, making it a
great choice for those with bad credit or no credit. The
customer service is very helpful, and their variety of
programs has something for everyone. |
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| User Review:
First Plus Platinum was the first company that I could
fill out a credit card application with and feel safe
doing it. I love the service that I got, and their
credit card applications were really easy to fill out.
Now I have a credit card of my own, and I can start
rebuilding my credit to get back on track. |
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Other Top Companies for
Credit Card Application : |
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Deciphering a Credit Card Application: |
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With the influx
of online credit card applications and online lending,
it’s easy to get overwhelmed by all of the companies
that offer credit cards online. The good news is that no
matter which company you choose, the credit card
application will be relatively the same at all places.
You will need to take the time to consider your options
and make sure that you’re choosing a card that meets
your needs. When there are so many options out there,
you should never settle for something that you don’t
really want. Once you’ve chosen a company, it will be
time to fill out the application. First, you’ll have
your name, address, and basic information. This section
is pretty simple to understand. After that, you’ll
likely have to fill out an additional address if you
have lived at your residence for less than two years,
usually for verification purposes. Then the credit card
application will ask about your income, including the
name of the company that you work for and your business
contact information. Once again, this is usually just
for identity confirmation purposes, so don’t be afraid
to fill this out. When you put down your income amount,
you want to be as honest as possible. Some people think
that lying and saying that they make more will give them
a higher credit line, but you don’t always want that.
Plus, that’s credit card fraud. After the income
section, you might be asked some questions about your
credit and banking habits or your past history, but this
varies from one company to the next. You can be sure
that you’re safe when you are filling out credit card
applications by checking with the company that you get
the credit card application from to make sure they are
legitimate. Also, you can look down in the lower right
corner of your browser to see if there is a little
padlock icon, which means that you’re on a secure site
and your information is protected. If you can’t find it,
look at the address of the website. If it starts with
“https” instead of “http”, that also means that it is
secure. Filling out credit card applications online
isn’t really tricky, as long as you choose a good
company that might actually approve your credit card
application. The more applications you fill out, the
more points you lose on your credit score, so you should
never fill out more than three credit card applications
or requests for credit in a three to six month time
frame.
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