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What you should know when applying for a credit card online
Applying for a credit card online can be awful, as you may have heard all sorts of informationand might not know what to believe. Consider these tips when applying for a credit card online.Who can apply for a credit card online
Online credit card applications are open to US adult residents一in other words, people with a mailing address in the US who are over 18 and either have a Social Security Number (SSN) orIndividual Tax Identification Number (ITIN). Applicants under the age of 21 will need a co-signeror proof of income as part of the application process. While nearly anyone can apply for a creditcard, note that credit card issuers evaluate applications based on many different factors and criteria.They are interested in getting a full picture of your financial health. Therefore, besides collectingyour basic contact information, they will use your SSN to pull your credit report.
How to apply for a credit card online
Do your research. There are hundreds of different credit cards available with a variety of offers,fee structures and rewards programs. Chart your spending behaviors so you know which categoriesyou spend most heavily in, and then shop around for the card that matches your credit profile andbest fits your needs.
Follow internet security best practices. When you're ready to apply, make sure both your webbrowser and operating system are up to date. Consider filling out the application on a mobile dataconnection or a safe, private network to prevent the risks of someone stealing your personalinformation. And if you have any doubt about the safety of an email from a card issuer, go directlyto the issuer's website rather than clicking on any links in the email.
21. What can show an applicant's overall financial health?
A. The income proof.B. The SSN or ITIN.
C. The credit report.D. The co-signer.
22. Which of the following is recommended to decide the right type of credit card?
A. Changing its fee structures.B. Joining its rewards programs.
C. Charting your shopping habits.D. Improving your credit profile.
23. How can an applicant guarantee internet security?
A. By using a slower operating system.
B. By using a mobile data connection.
C. By giving no personal information.
D. By clicking on the links in an email.
