How to Get a Credit Card


Hey Hubsters! Today we’ll go over how to
get a credit card in four easy steps. The first step is to check your credit score, which you can easily do at WalletHub.com. A lot of credit cards have certain
credit score limits that you need to hit to get approved for, so you don’t really
want to blindly apply before you know your actual score. And if you’re new to
credit and don’t have a credit score yet, that’s totally fine. There are actually
credit cards designed specifically for that. Then you’re going to want to decide
if rewards or interest rates are more important to you. It all depends if you
plan on paying your credit card bill in full at the end of every month. If you do,
then go for rewards because the interest rates won’t really come into play. Next
you want to compare cards for the best deal. WalletHub makes it super easy to
compare credit cards side-by-side. Then once you find the car that’s right for
your needs, click “Apply Now” and head to the secure online application. You’ll
need to list things like your name, address, social security number — all of
these things so that the credit card company knows it is actually you
applying for this card, and so that they can go ahead and then pull your credit
report. You’ll also need to include your income so that the creditor knows that
you can take on this new line of credit. Because it’s online, you usually can find
out if you’re approved or denied automatically, instantaneously. And if not,
then it will take six to ten business days to really figure out if you’re in
or not. So with that being said, good luck and start comparing.

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