How to Apply for a Credit Card

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From Quick Guide: Credit Application Basics

Summary: Applying for a credit card can be handled on the internet, at a bank, or sometimes over the phone. Learn how to apply for a credit card from a credit counselor in this free personal finance video.

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By Maria Enomoto
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Maria Enomoto works as a credit counselor for Consumer Credit Counseling services in San Jose, California.read more

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Video Transcript

"Hi my name is Maria Enomoto from Consumer Credit Counseling Service and today we're going to learn how to apply for a credit card. Well, there's several ways how you can apply a credit card. You can fill out any form or offer that you receive on the mail and then send it back. You can go to a bank at any location, if you feel like, and fill out an application there. Or, you can go online and submit your application online. These are the most common ways how you can apply physically for a credit card. Now of course, before applying for a credit card, just make sure the reason why you are doing that. So you will be able to get the best credit card to fit your needs. If you're going to be checking this credit card because you want to do a balance transfer, if you're going to apply for a credit card because you want to build some history, credit history on your report, or if you're going to take advantage of any promotion or offer or you want to lower your interest rate. Always keep in mind that applying for a new credit card will be affecting a little bit of your score because you are applying for credit, but if you build a really good history with this credit card, and paid on time every month, then you won't have any problems."

eHow Article: How to Apply for a Credit Card

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