Creditcards.com?
What would be the safest way to apply for a credit card?
Answers:
Know what to Look For
If you think there are an overwhelming number of options available for credit cards, you are right! There is a credit card for almost everyone today. Finding one that suits your lifestyle is key to making the most of your credit card. There are a number of points to consider before you apply.
First, check out the annual percentage rate (APR). This measures the cost of credit and is written as a yearly interest rate. If you plan to carry a balance from month to month, you may want to get a card with a low interest rate. Some offer low introductory rates. Be sure to check what the interest rate will be after this initial period. You'll want to have an APR that will work well for you in the long term.
Next, look into the attached fees. Some cards have an annual fee. Many include other finance charges. Read the fine print to help you understand what is all involved with the card. These fees may or may not weigh into your decision, but it is important to understand them.
You will also want to consider any rewards included. Many cards come with cashback rewards, travel benefits, or other award options. If you have good credit, this is a great way to make the most of your credit card.
Apply Online
It has never been easier to apply for a credit card. You can do so online in only a few minutes at: http://www.credit-card-gallery.com... . When filling out an application, be prepared to give basic personal and financial information. You may be asked questions regarding your monthly income, savings account, living situation, and employment status. Credit cards offer excellent benefits and rewards. So what are you waiting for? Apply today to enjoy this powerful financial resource.
Safest way is to go with a well known company that's been around for awhile. However, you have to have pretty good credit to get a decent rate on any card. If you don't have a credit score or a high enough one, then ask for a secured card at your bank. Most banks will allow a minimum $500 secured account. After 6 months to a year (depending on the banks rules) you can ask for an unsecured card. If you don't then they will most likely just increase your limit. You can also lower your interest rate this way, as long as you make your payments on time and don't go over your limit. Remember, it's easier to build good credit from nothing than to rebuild good credit from bad.
I went to this website just now and had a little "look around".
First and foremost, this website looks like to apply to a particular credit card, it opens a link to a third party site. So, for example, I clicked on American Express "Blue " and it opened a link to https://www201.americanexpress.com/cards...
that being said, it looks like a legit site, and is preceded by "HTTPS" which is the Secure Socket Layer (I'm not a techie but always make sure that anytime you're sending sensitive data to make sure this is first)
From what I can tell, creditcards.com seems to be a site where revenue is generated by the credit card offer that is clicked. I believe it is legitimate (DISCLAIMER: I HAVE BEEN WRONG IN THE PAST)
As for the second question, I believe that if you have good to excellent credit, apply online for a credit card through the issuers website. Just make sure it has HTTPS at the front. When you mail something, who knows who sees it, but through the Internet, only a computer makes that decision. As for receiving said Credit Card, a PO BOX is the safest way to make sure it doesn't get stolen.
never heard of it, I usually try here
http://www.bestcreditrates.net
It's very to safe to apply for a credit card online! All major credit card companies (which provide credit card applications to CreditCards.com and others) use secure SSL Technology. This 'encrypts' all the information your provide so it's virtually impossible to steal!
Here's another great site if you'd like to compare offers and apply online:
http://www.asapcreditcard.com
GOOD LUCK!
Yes, I have applied through this site and it is definitely legitimate. You can compare between different types of cards and different banks (which you can't do on the individual bank's websites). They use secure application pages that go directly to the issuer's site, so there isn't any risk to personal information. I received my card in the mail 4 days after I applied - pretty cool.
From what I've read, applying online is the safest way to apply (as long as the site uses "https" secure application pages). Applying over the phone is not very secure (especially if you use a cordless or cell phone). Even mail can be intercepted and opened. Online uses encrypted data - so it's the best way to go.
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