Credit Card FAQ

You will find answers to some of the most frequently asked questions regarding credit cards below. If you do not find the answer to your question please feel free to contact our friendly staff.

Q: Are the online credit card applications safe and secure?

A: Yes, all of the credit card applications that we list are safe and secure.

Q: May I apply for multiple credit card offers?

A: Yes, you can apply for more than one credit card. Each individual card issuer decides whether they want to approve your application for a card or not. However, if you have numerous credit cards, some issuers may decide that your total available credit is relatively high compared to your income, and they may decide not to issue you more credit cards.

Q: Can I apply for a credit card with any major U.S. bank?

A: In most cases yes. Anyone who is a U.S. resident and is at least 18 years old (the age limit may vary in some states) has the right to apply for a credit card with an issuer of his or her choice. The issuer of the credit card does not have to be your regular bank.

Q: Is it required that I have an open checking account at the bank where I want to apply for a credit card?

A: No. It is not required by any of the credit card issuers listed on this web site to have an open bank account with their bank in order to be approved for their credit card.

Q: If I am turned down for a credit card how do I find out why?

A: It is an obligation of the credit card issuer to provide you with the reason(s) why your application was declined. We recommend that you contact the credit card issuer directly for the specific reason of denial. Also ask if there are any changes you could make to increase your chances of obtaining a card.

Q: What are some of the reasons I may not be accepted for a credit card?

A: There are several reasons why you may be declined for a credit card, the most common reasons are: poor credit rating or un-established credit history; your credit report could contain mistakes or unapproved activity; you might not meet the required annual income; if you have already had several credit card applications declined.