Who can apply for a credit card?
Nearly everyone can apply for their own credit card, with a few small stipulations. Applicants must reside in the U.S. and be at least 18 years old. We don’t offer credit cards to minors, corporations, or other businesses. We are a people-based company!
How do I find out if I’m approved for a credit card?
If you apply online or by phone, you’ll probably receive an instant decision. If you don’t receive an instant decision, a letter will be mailed you within 7-10 business days regarding your approval status. Although we do our best to match you with perfect credit card, please remember that Credit-Card Express is not responsible for final decisions about approval.
How much money do I owe you for helping me find a credit card?
Absolutely nothing. Our services are completely free.
Will my personal information be secure online?
Yes, our site is completely secure.
Can I get a credit card if I have bad credit?
You might have heard that getting a credit card is that last thing that you need if you already have poor credit, but think again! If you have poor credit history, you should start building up good credit as soon as possible. In fact, we offer credit cards that are specifically designed for people who have damaged credit. By choosing a credit card and using it wisely, you will be able to build yourself back up.
How is my interest calculated?
Interest is applied to any outstanding balances each day. This includes any unpaid purchases, transactions, and interest from prior months that haven’t been paid. It’s important to pay your credit card bill on time so you can get the lowest possible interest rate!
What is an annual percentage rate (APR)?
The annual percentage rate is the cost of the credit. In other words, the APR is a way of showing the interest rate you will have to pay if you carry over a balance from another credit card or take out a cash advance. The APR also includes the interest rate and any finance charges.
Can I get a credit card if I’m in college?
Definitely! As long as you’re at least 18 years old, you can start building up your credit. Our site offers several student credit cards that you can choose from, which include extensive reward programs and benefits for students who are creating a good credit history.
What is a pre-paid card?
Pre-paid cards are a great way to control your spending so that you don’t rack up debt. A prep-paid credit card account is opened when you deposit a set amount of money onto your card. Once you have deposited the money, you can use the card anywhere you want. Once the money is gone, you can’t use it anymore until you put some more money in. This is a great way to prevent overdrawing or maxing out a credit card. If you have a poor credit history, a pre-paid card might be the best option for you because there are no bills and no interest charges. What’s not to like?
