How to get a credit card is the question of every second person who have been started earn income and ready to buy anything through credit card or make payments through credit card. By the use of credit card all the transaction is done in little bit time .it is going to be very easy for everyone. All the people accept it instead of cash payment. So the credit card becomes the life partner for everyone. It is necessary for every person especially for those persons who is dealing with large amount payment. No one wants to keep a large amount of money in hand or pocket so they use it for the security purpose. Getting the card is not hard but just you should have to know about how to apply for the card. It is very simple process .there are two ways for getting the card. These are following
(1) Apply through the bank branch.
(2) Apply through online.
Now we will explain both of two ways for getting the credit card and you will get information how to apply for a credit card through online or bank branch.
How to apply for credit card through bank branch
- First of all, you have to visit the bank of the branch where your main account already exists.
- Then you will have to contact that officer who applies for the credit card.
- That officer will tell you about the requirements for applying for the credit card.
- Mostly documents are pan card, address proof, identity proof, your bank account detail, and your income source details.
- Fill up the form and attach the necessary documents which are required for fulfilling the condition of the bank.
- And submit these documents to the officer who is responsible for this job.
- After some day, you will get your credit card through the post to your address which is mention by you on the application form.
How to apply for credit card through online
For applying the credit card trough online you just follow these steps. The steps are following
1. Collect all the documents.
Before applying to the credit card you should have to collect all the information or document that you will be entered during the applying application. In this process, you may need your details of income source, your bank details, your social security number, address proof, identity proof, and pan card.
2. Type the bank website in a browser.
You should have to know what the site name of your bank is. Type your bank website name in the browser and search it, you should have to be a customer of that bank in which you are applying for the credit card through online.
3. You should know about your credit rating.
Credit rating is the main factor in the application process. You should know your credit score .on the basis of your credit rating you will qualify for a credit card. Credit ratings provide you level where are you exist. If your credit rating is excellent you can apply for excellent credit card .if your credit rating is good then you can apply for good credit card . If your credit rating is fair or bad then you can apply for bad credit cards. Lots of people search on the internet How to get a credit card if I have bad credit rating? Here is the answer to this question is secured credit card. Secured credit cards are best for those persons which has bad credit rating. Secured credit cards for bad credit will provide you path for regain or rebuild your credit rating. So credit rating is the main factor in application process. You should aware of it before applying for credit card.
4. Select the compare credit card option.
Choose this option for narrowing your search. This option has great features for narrowing your search. In this option, you will compare all the credit card with their features. By the use of this option you can select the card on the basis of future benefits, transactions information annual fee, interest, rewards, APR and credit level.
5. Select your card on the basis of your credit level.
You should have to choose your credit card on the basis of your credit level. Excellent, good, fair and bad are the levels of a credit card. Bad credit person should choose secure credit cards.
6. Think twice about the feature before applying for the credit card.
Before applying credit card have you satisfied with card feature or benefits? If not you can choose another credit card and select the credit card which has low or no annual fee. The interest rate should be low.
7. Apply for a credit card.
After choosing the credit card are you satisfied with this card if yes then you can apply for this card by clicking on apply now button? And then fill the application form with your details and after filling the information you can again check for the mistake.
8. Submit the application form.
If you are satisfied with all the information you have given in the application form then you can submit your application form by just clicking on submit button. You will get the notification in your email about submitting a request for the credit card.
These are two ways of applying for the credit card. I think method number 2 (How to apply for credit card through online) is best because there is lots of option for selecting the credit card but when you look at another method which is very limited in feature because today, in the world people have no extra time for making us understand again and again about the credit card .so go to online process which has easy, simple and broad features. And you can select card very easily.
keep in mind some important point before applying for the credit card, these are following.
1. Annual fee .
You should have to confirm about the annual fee and any other transaction fee. If there are any charges than choose another credit card.
2. Look at offers.
You should check the offers that card issuer provide you. If they do not provide any offer with the card then you can choose any other card with having great offers that suit you.
3. Check for online payment.
You should have to check credit card for online payment .if it is not compatible then you may change the credit card as you wish because online payment saves our life’s important hour.
So these are the two processes to get a credit card. Follow these steps and get your credit card which suits you. Make sure to keep it in a safe place and note down all the number of help services and you can do xerox of your credit card . If your credit card is misplaced then you could contact to card issuer with this xerox copy of your old credit card.