Best Credit Card Offers specially for you

About Us  |  Contact Us  |  Articles  |  News  |  Tips  |   Tools
ADVERTISER DISCLOSURE
RequestCredit.com is an independent, advertising-supported web site which is compensated by the credit card issuers whose offers appear on the site. This compensation may impacts how and where the credit products appear on our site, including, the order in which they may appear within credit product lists. RequestCredit.com does not review or offer all available credit products.

3 Mistakes People Make When Applying For A Credit Card

[Friday, June 23rd, 2017]

It might not seem like applying for a new credit card is very complicated. After all, millions of people have credit cards, and most households have more than one. Still, people do make mistakes when applying for credit cards. Here are three of the most common blunders folks are prone to making when they sign up for that amazing new rewards credit card…

Not checking their credit score first. It’s important to know what your credit rating is before applying for a new credit card, for a number of reasons. First off, some credit cards are geared toward consumers with excellent, average, or poor credit. You’ll want to apply for a card that matches your approximate level of creditworthiness. Being turned down for a card that only approves people with excellent credit can actually hurt your credit score further, which is the last thing you want to do if your credit is already less than perfect. Secondly, your credit score will often determine what APR you’re assigned when you get your new credit card. You might be counting on getting the lowest advertised interest rate, and then sorely disappointed when you end up getting slapped with a much higher rate.

Applying for too much credit in too short a time. It’s a bad idea to just apply for new credit cards willy-nilly, without thinking seriously about whether it’s a good card for you, what you’re going to use it for, and if you really need so much credit. With credit cards, more is not necessarily better. And every time you apply for a new card, an inquiry is made on your credit report, which can eventually lead to a lower credit score. So be judicious about applying for new credit, and don’t go overboard.

Signing up for the first offer that comes their way. There are so many credit cards on the market, it’s a shame to sign up for the first one that hits your mailbox without carefully evaluating the offer. Make sure you’re getting what you really want in a card, whether it’s travel rewards, cash back, purchase protection, a low interest rate, or a 0% APR balance transfer offer.

Read also

Answer These 4 Questions To Find Out If A Prepaid Card Is Right For You
[October 17th, 2018]

If you pay any attention to the finance industry, or even if you don’t, you’re probably aware that prepaid cards have become increasingly popular over the past several years. But you may still not quite know what a prepaid card is, or how one works.

Continue reading ››

4 Things You Didn’t Know About Your Credit Score
[July 26th, 2018]

Maybe you think you know all there is to know about your credit score. You make your credit card payments on time, keep your balance low, don’t take out more lines of credit than you need, and monitor your credit report on a regular basis.

Continue reading ››

5 Ways To Maximize Your Credit Card Rewards
[April 28th, 2018]

Most people have at least one rewards credit card in their wallet. But many people don’t know how to use those credit cards to their best advantage by getting the most points possible and redeeming them for rewards they’ll actually use.

Continue reading ››
Copyright © 2003-2018 RequestCredit.com. All Rights Reserved
RequestCredit.com strives to keep credit card information up to date and accurate. However, all the credit card information is presented without warranty and can be changed by the credit card issuers at any time. Click the "Apply online" button to see the online credit card application and to review current credit card terms and conditions. Note that RequestCredit.com can be compensated by credit card issuers when the visitors apply for a credit card through the website.
* The RequestCredit.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. RequestCredit.com does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click "Apply" for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. All logos on the RequestCredit.com website are property of their respective owners.
RequestCredit.com is an independent, advertising-supported web site. RequestCredit.com receives compensation from many credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. RequestCredit.com has not reviewed all available credit card offers in the marketplace.
Disclaimer: This editorial content is not provided or commissioned by the credit card issuer. Opinions expressed here are the author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult a card's issuing bank for terms & conditions.
Information in these articles is brought to you by RequestCredit.com Banks, issuers, and credit card companies mentioned in the articles do not endorse or guarantee, and are not responsible for, the contents of the articles.
Disclosure: Not an access card.