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Credit Card Application Knowledge Base
What means by credit card application and what information will need to provide for a credit card application? What means by credit card application and what information will need to provide for a credit card application?
How long does it take a credit card company to process a credit card application? I just submitted an application for a secured credit card about a week ago and the credit card company debited the $200 from my checking account that I would need for a security deposit and I still haven't received my credit card yet. When do you expect that I should receive my credit card?
What can i do to get a credit card application approved with bad credit? Well, i had a credit card about a year ago which i never paid for but am doing so now, i want to get a credit card application aproved, what can i do?
Is requesting an increase in a credit card limit treated the same as an application for new credit for FICO? I know that applying for a new card will reduce my FICO, and that increasing credit limits (while keeping debt amounts constant) will increase my score - but this would not be the case if requesting the increase in credit limit is treated as a new credit card application?
Is there a credit card application that will give you an immediate response? I just recently came back from vacation and am going on another in approximately two weeks, where extra funds would be nice to have. I am curious to know if there is a legitimate (key word) online credit card application that doesn't take 30 days to give a response. And if there is, what is the website? Thank you all for all of your help. I went with Capital One.
Will a credit card application today affect closing on a home tomorrow? I'm closing on a house tomorrow. Will my credit card application that went through today (rejected, btw) affect anything tomorrow? Or is it safe to assume all of the loan stuff is pretty much done, we just have to sign the papers? I have no credit history. We're signing the papers tonight, but since it's after business hours they said it won't go through until tomorrow. Does this make any difference?
What should I do if my credit card application was denied? I just tried submitting an online application for Capital One after receiving an offer in the mail but it was denied right away. I read somewhere that your credit score can be lowered from getting denied from too many. It's my first time trying to get one so I'm not sure what I'm supposed to do. How am I supposed to know which ones will deny my application? What should my next step for getting a credit card be?
How will I know if my Credit Card application has got approved? I applied for chase credit card one month ago and no response I got. There is some error in my e-mail id. So anybody know how will I know if my Credit Card application has got approved?
What is the punishment for lying about age on a credit card application? I'm underage (16) and I got to thinking about people my age who have credit cards (and not with their parents account/consent). They've lied about their age on the application. Is there any punishment for this? Does anyone find out? Could a minor really get into trouble for this? Can't you just pay off the card?
How can a ID thief use my torn up credit card application? If the ID thief does not have my Social Security, how can he submit a credit card application on my behalf? If they have my SS#, they can go online and apply for a credit card anyway. Am I missing something?
How can i find AXIS CREDIT CARD application status? I have applied for AXIS bank credit card, i dont know the how to find my status of the my application. Can you help me?
What are the reasons for a credit card application in the Philippines to be denied? I've applied to almost all banks offering credit card but application was rejected. I submitted and qualified for their requirements.
Why was my online credit card application declined? I am a student and want to get a credit card, so I applied for catalog card USA platinum. Which provides Guaranteed Approval with No credit checks, No employment verifications, No interest charges, you can be approved even if you have No Credit or Bad Credit. But they declined my application. Can any one know why was they declined my application?
WHy is it taking 30 days to get a response from an online credit card application? I applied online yesteray for my first credit card and they said I would get a response within 30 days. Why does it take so long? Is it because I have no credit and it was a student credit card? Also, I said I had both savings and a checking account but right now I only have a savings but will be getting a checking account on Saturday. Is it ok that I said I had both a checkings and a saving? Will it make them reject my application? Are they eager to give a credit card to someone like me, a young person likely to give them money for interest? I am just anxious about the whole thing. I am going to be responsible with it because I am careful with all my money. also I didn't know what they meant by residence when they asked rent or own? do they seriously expect me to pay for rent at this age? So I selected "Other" and put zero paid month;y for my residence because that is what I pay, I mean I help my mom out sometimes but thats it. lol iceman, I said I made 6K a year because that is what I made in 2005 well it was labled a student credit card....being wary should be expected of them if they think this. yeah it was CHASE what is the purpose of advertising student credit cards then?? they are designed for people like me who have no creidt. thanks for not answering my question.
Is lying about income on a Credit Card application illegal? From what I understand they very rarely verify the income you list. Is there anything illegal about exaggerating annual income on a Credit Card application for the purposes of getting approved/getting a higher starting limit? Please don't give me ethics, I just want to know if it constitutes fraud (could be a typo for all they know) or if there's anything illegal about my SPECIFIC question. I would like a Yes or No if possible.
What Does This Mean On A Credit Card Application? I'm thinking of getting a new credit card. Even though I've made every payment on time and in full my current card is starting to add all kinds of fees. On the application, under "Interest Rates and Interest Charges", it says "If you are charged periodic interest, the charge will be no less than $1.50". What is "periodic interest"? The application does not explain what this is.
How to write a reconsideration letter for denial of first time credit card application? please can somone help me on How to write a reconsideration letter for denial of first time credit card application, this is as a result of insuficient number of credit reference and insuficient established revolving credit accounts
I applied for a WaMu credit card & I want to find out my application status? How do I search the internet to find out if I have been approved for a credit card application?
What to enter in the fields in a credit card application? I have credit cards already, but I am in a unique situation. I am 20 and living on my own but with my parent's income. I recently got an American Express application and when I called to ask about what I could put in the household income field, I was told I could include my parent's income. Is this true? I do not remember on some credit apps if I put my parent's household income or not, because I was never sure and was living on my own. I have put my income as how much I regularly get a month from my parent's. Is this borderline fraud or is this typical? No one really explains it clearly.
How does my dad co-sign on my credit card application? I'm 19 and in college but don't have a credit card yet, but when I applied they turned me town, so I guess I need a parent to co-sign on it. But it doesn't say anything about that on the application? What am I supposed to do about that?
Credit card application declined, does that go on my credit file? I applied for a credit card with a bank it was declined I want to go through another bank with a slightly different application ;) would the other bank be aware that I have recently be declined by the other bank?
how long does it take to process a credit card application BMO? just submited an application through my web banking for a master card from BMO Bank http://www4.bmo.com/creditcards/spccashback/0,4978,35649_78277434,00.html This is my first time applying for a credit card how do you know if your card has been approved or denied. Will i receive it in the mail if its approved or denied?
I get a check from the government every month. Could I put that down as income on a credit card application? I get a check from the government every month. Could I put that down as income on a credit card application?
Will I get into trouble for giving false information on a credit card application? I'm a college student, and there are lots of guys around campus giving away free sandwiches if you fill out credit card applications. I've filled out a couple with totally false information because I really needed those sandwiches. Can I get into trouble for this? I DO NOT want a credit card, but I DO want sandwiches.
I have had a credit card application declined...what does this do to my credit record? I applied for a credit card, but my application was declined with no reason given. I assume they have searched a credit agency. What will this have done to my credit file and will it affect any future applications?
Instant approval credit card application needs review? I applied for a Citi Forward Student credit card this afternoon and the instant credit card application said that my application was received and needs further review. Is "further review" another way of saying denied. I have fair credit and have only one other credit card (Discover). What do you think my chances are?
Why can't the accuracy of my credit card application be verified? A day after applying for a student credit card, a letter was sent saying that the accuracy of the information on the application couldn't be verified. Does anyone know why not? Did I type something in wrong?
Credit hit with mortgage application and credit card application? I would like to apply for a credit card. Will the application impact my credit score if I apply for a mortgage 3 weeks down the road? thanks
Tax return needed for Credit Card application? I'm currently in the middle of applying for a credit card though i'm currently earning above average wage for my age and the credit card company has asked me to send in last years tax return to show proof though i only got this job this year. I've attached on the application my payslip with the tax return though is this okay?
If I lie about a credit card application will I get in trouble? If I lied about how much money I make a year on a credit card application and I don't pay a bill late on the card would I get in trouble?
Believe you cannot obtain a paper credit card application? I have requested a paper credit card application for my father who would be 86 and would prefer to submit an application by mail. I was told that there was no place online to print the paper application, but paper applications were available from branches. As the closest branch would be a 24 mile round trip I wonder when I call the branch they will use their bulk rate postage to sent an application by mail or insist I drive to the branch? Does this smell of some kind of discrimination against those who choose not to reveal credit card information online?
Can a social security check count as income on a credit card application? Can a social security check count as income on a credit card application?
Chase Online Credit Card Application response? Received pre-approved offer in mail for Chase Visa Platinum credit card, applied online using offer code and received email response after submitted: "We will notify you of your approval status in 30 days by U.S. Mail...etc." Does anyone have any experience with this kind of response and what it could mean? Good sign, are they actually considering the application or is it a bad sign for getting approved? Are online credit card normally applications immediately approved or not? I only have 2 cards, not high limits and good credit score.
how do I go about becoming a credit card application processer? want to do this as a home business for a credit card company. Had a friend who use to process credit card applications for American Express
Why has the credit card application been declined? My partner has applied for 2 credit cards (Egg and Barclaycard) and has been declined for both of them. He has never had a credit card before but has had several loans and a mortgage which he has never missed a payment on. Will the fact that he's never had a credit card have been held against him? Now if he applies for another card, he has to tick the box that asks if he's been declined for a credit card before and that will work against him even more. He's 26 if that makes any difference.
should I worry about identity theft if I have received a credit card application for a person with a different I received a credit card application to my home address for a person that had a different first name but the same last name as mine? Should I worry about identify theft? I have children that all have social security numbers. Should I worry that their number has been stolen and someone is using a phony name with their social security number? How can I check if this could have happened?
How to cite a credit card application? I'm doing a persuasive speech on why people should get a Gap Card. Does anyone know how I would source the application? Because that's where all the information is, and I need to put it in my works cited, because that's my only source!
icici gold credit card application declined? my icici application for gold credit card has been declined , can i apply for silver card ? or should i wait for 6 months to reapply again.
How do I check my Express store credit card application status? I applied for their student credit card about a month ago and have yet to hear back! I've been online and it says I should have recieved an answer within 7-10 business days and the associate at the store told me around 15 days. It's been a month and nothing! I was trying to find a way to check the status. Anyone have any ideas?
What does this mean on my student credit card application? CASH ADVANCE TRANSACTION FEE: 3% for each cash advance, with a minimum of $5 and no maximum; effective January 1, 2010, 5% for each cash advance, with a minimum of $10 and no maximum. For a credit card. Oooohh. I don't think i'd ever be doing that. I just want to have it so I can establish credit. All my money goes into my checking and I will pay off the credit card.
On what factors they may have rejected my Citibank credit card application? I have an account in Citibank with healthy balance and regular inflows. I have taken a few loans in recent times and did not default in payment. My credit score is around 560. I also use my dad's credit card (joint account) with huge credit limit and have excellent repayment history since I've been paying on this card for over 14 months. This would have been my own first credit card. I'm in employment/business for last 3.5 years after completing college.
Is it possible that my credit card application is denied because of the company I work with? I recently applied for a credit card, but was denied. The reason was the company I work for does not meet their requirement or that the company does not earn much or to that effect. Does this also mean that the company is at the verge of closing? They told me that I passed the salary requirement. Except for the company because it is not earning that much. Actually, this is the first time I heard of this. It is a bank in the middle east. I can't believe I got denied because my company has a poor credit score?
Why do banks keep sending credit card application forms when you haven't asked for them? On one hand we are all being told to not have credit & watch our spending, so why do banks keep sending us "attractive" credit card offers? Do you think they should?
Is this a fradulent credit card application? I received a credit card application in the mail for a 10,000 credit card limit and it said its from the Union workers credit card company and it also said the bank affiliation was none?
Free credit report for credit card application rejection.? Hi, Recently one of my credit card application got rejected. The letter from the bank states that, i am eligible to get a free credit report within next 60 days. When i called the credit reporting agency (transunion) number given on the letter, it goes to an automated number and requires me to provide ssn and address details to get a report. How do i reach out to a real person and get the free report i am eligible because of my application rejection?
How can we cancel ICICI bank Credit card application? I had applied for an ICICI credit card. But now i want to cancel it.
How many Credit Card application are being signed online every month? how many of them are being approved? I am posting an article about the online credit card marketing world and I can't get any official source that would state these numbers. Would be great to get some help...
What does this mean on my denied credit card application? I applied for a credit card and the reason I got denied was RATIO OF BALANCE TO HC FOR ALL OPEN BANK REVOLVING TRADES What does that exactly mean?? If you don't know please don't answer. I only have one other credit card and it has a 300 dollar balance on it..
Why is a credit card application asking for my drivers license number? And this particular application does check creit. So, is it just to verify my identity? Sorry- I mis-typed. I meant to say that this bank does NOT check credit. So guess it has to be to verify identity. I mean how much information can they get from your drivers license number?
How much does a credit card application effect you after it being declined? I applied with a bank and they declined me though i'm going to apply with another bank but i'm not sure on how much the last declined application has hurt my history?
Lying on a credit card application? I want to get a platinum credit card but my income is $1000 dollars short of the required annual income. What I'd like to do is just up my annual income by a thousand on the credit card application. Could I do this?
What does this message mean after I filled out a credit card application? Thank you for giving Hooters MasterCard the opportunity to serve your financial needs. We are processing your application and you will be notified regarding its status within 7-10 business days. I looked into it online and it sounds like most people who got denied, it said so right away. Do you think theres a chance im approved?
What are the odds that my credit card application will be accepted with a credit score of 749? I am a college student, and i would like to get a Discover Student Open Road Card, I would like to know the likelihood that I will be denied.
What are the credit card application requirements for Aussies? just would like to know what is required of an Aussie citizen inorder to be approved for a CC application.
What are the factors involve if a credit card application denied? I have a good credit score. 'B' = 800 out of 900 something I dont know why I got denied.
Should I be concerned about credit card application? I applied for a target credit card, and it says you can get an instant decision, but for me it said I would find out by mail in the next two weeks. Does this mean I most likely will not get approved or should I not really worry about it?
Can I cancel a credit card application before they send me the card ? It's a credit card from First Premier Bank. I was looking at the fee's and wasn't satisfied. Minimum Initial Credit Limit $250, Program Fee -$95, Account Set Up Fee -$29, Annual Fee -$48, Monthly Servicing Fee -$7, Available Credit on First Statement $71, Optional Additional Card Fee -$20, Available Credit on First Statement with Additional Card Fee $51...
Does anyone know why Old Navy has not replied to my Credit Card Application? I have applied twice and they have never even sent me a letter or anything. I have a Credit Score of 700 so that can't be the reason.
Has anyone heard of NATIONAL CITY bank? They sent me a GUARANTEED Secured credit card application and I want? NATIONAL CITY BANK sent me a GUARANTEED SECURED Credit Card Application but they seem to want alot of money and info about me UP FRONT. Has anybody heard if they're a ripoff?
How can I find online retailers who offer free money with credit card application? For example if you are approved for an overstock.com card they take $30 off your order.
Why was my credit card application denied? I recently had 6 credit cards last year 08. I cancelled all 5 except one last September. I went to apply for one last night and it was denied. They said i'm using too much available credit. Also it said I may have had too many credit inquiries recently. My credit scores from all 3 credit bureus are above 750. What can I do?
How do I get a credit card application mailed to my home? I do not want to fill one out online. I am just wondering how I could get one mailed to my home address.
I got a free credit card application with the card attached and a charge of $249.00.I tore it up, why do i owe I seen an ad on tv for a free credit card application.When I got the application the card was attached.I read the form and seen a charge of $249.00 for the attached card. I called the card company and told them I tore the application up and didn't wish to apply.They in turn put a bad mark on my credit history.Was I slammed by this credit card company?Can I sue them for this?
On a credit card application should is it better to put for rent more or less? My monthly rent for the total place 4600. My share is 1533 (3 people) And technically the total rent is 8900 based on some rent control laws and thats what they report to the govt and they give us a "discounted rent" for 4600.
Do you think my credit card application will be approved? Credit History: 2 Months Number of cards: 3 Balance: 0 Credit limit: a little over $1500 in total past applications I made : a little over 3, nearly a month ago. I pay my bills each month in FULL, and after checking my credit report, everything is in good standing with no late penalties or anything Taking that info into consideration... If I apply for a credit card now, what are the odds I'll be declined? accepted? Thanks!!
If you fill out a credit card application? If you fill out and credit card application and the status says "need to be reviewed more" Then you check it after a few day and it says the same thing Doesn't that mean your more than likely going to be approved, Because if they were going to deny me, they would have already right? :-[
Can I substitute my mother's maiden name to a different word on my credit card application? Call me super paranoid, but I think it wouldn't be that hard for anyone to figure out my mom's maiden name and steal my identity and whatnot. Would this be a big deal, and does anyone else think this is a good idea?
my friend lied on a credit card application? My friend has lied on a credit card application and hes recieved the card. He put his real name adress, date of birth and everything but he has lied about his salary. What will the consequences be if he is found out. Thanks
Why do i get declined at 18 with a credit card application? I had just turned 18 a few months, ago but when i chose to sign up for a credit card tonight at 2 locations.. www.newegg.com and www.officemax.com i was declined with this message "LIMITED SATISFACTORY CREDIT HISTORY" I'm trying to understand what exactly that means, i have 2 bank accounts all good, no problems, and no credit cards.. How can i establish good credit if i cannot even get a credit card? Or do you know of any sites or stores that have a near 100% approval
If you misspelled your name in a denied credit card application, will the wrong name show in credit reports? Will the misspelled name show up somewhere in the credit report even if your application was denied? What I mean is: Will the misspelled name show up somewhere in the credit report even if your application was denied?
Is it SAFE and REAL Credit Card Application? Hi, Sometimes I saw "bank representatives" standing behind a kiosk in a Mall or a big shopping center (Say, a CIBC people in Metrotown, Coquitlam Centre...). They said they are doing credit cards promotions and applying via them will be faster and easier to get a card... something like this... I am wondering are they REAL bank people? Or just fraud criminals? Thank you very much!
What do I put for "annual household income" for a credit card application? I'm a full-time student and I don't work. Do I include my father's income since we live in the same household?
How do I check the status of my Citi Bank credit card application? I went to their website but didn't see that option..
how do i check the status of a credit card application with first premier bank? i went to the website homepage and it gives me no direction. just ionformation on applying. i work on ships so its hard for me to just call the bank!
Whee can I apply for a joint credit card application? Many have authorized user, will this affect both credit score users?
Lying about age on a credit card application? Okay so my friend asked me if he should lie about his age cause he is only 16, but he has a job and makes enough money to afford monthly payments, and he wants to get a credit card.....but he has to lie about his age? He can afford it the payments but what happens if they find out about his age? all i told him was not to do it and idk what would happen if he did
Questions about how to fill out a credit card application? 1. My position is a student should i fill out the Employer ,worked there(for how long), and company phone# 2.Annual Household Income: If i am a dependent and over 18, should i put 0? 3. i live with my parent, they owned the house, should i put OWN or RENT( i didnt pay anything)
How long does it take to receive a credit card after application has been approved? I applied online for a Capital One Credit card. I was approved. How long does it take to actually recieve the card in the mail after approval??
When filling out a credit card application, which address do i put? I'm about to go to college and it wants to know where to mail the statement and I dont know whether to put my home address or my college one!!!
What do i put down for Total household income for a credit card application if I..? work part time and go to school part time but still living with my parents? how do i determine my total "household" income per yr? NOTE* my parents pay all the bills and expenses for the house but i pay for own bills in my name.
Credit card application denied because they "cannot verify identity"? I was recently denied a credit card at Wal-mart. I wasn't sure why since I have fairly good credit. I just received a letter in the mail explaining I was denied because they "cannot verify" my identity. What does this mean? Any help with this would be appreciated
I am a salaried employee, but all my credit card application are denied for insufficient credit history. Help! I am not a US citizen; I am a civil engineer from abroad; I have a green card since end of 2005; Accepted my first position in the US last january 2006 with 45K salary. Presently I am in a 60K position. I have a bank account in the US since 2003 and 2 saving accounts since 2006 (totalling more than 15K). My real question is: how can I have a sufficient credit history if all my credit card applications (even from SEARS) are denied for that lack of sufficient credit history?
how do you check the status of your credit card application for discover card online? i applied for a student card
Is it a crime to inflate your salary in a credit card application.? I was not sure if it was but my sister told me that it is. if it is what are the punishments. Thanks Jenna
what is the easiest way to get approved your credit card application? philippine branches please
How to use a p.o. box on a credit card application.? ok... i want a credit card but if i had it sent to my house, and my parents found out they would flip. I want to get the stuff delivered to my p.o. box so that my parents won't find out about it. But the only problem is that on all of the credit card applications, it says "no p.o. boxes" So is there anyway that i could trick it into sending to a p.o. box?
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