Credit Card FAQ

Are online credit card applications secure?

Yes. This site only features credit card applications that use Secure Socket Layer (SSL) Technology.

What is my credit score?

The credit score is calculated based on items in your credit report and is used to evaluate the potential risk for the lender. You can find your credit scores through a free trial for a credit report including credit score.

When will I know the status of my credit card application?

You can receive instant approval of your credit card applications in many cases, but occasionally more time may be needed to process the credit card application.

What is an unsecured credit card?

Unsecured credit cards do not require any collateral in return for a credit line. You will be approved based on your credit report and score as well as the information included with the credit card application.

What is a secured credit card?

A secured credit card requires a security deposit made into a special savings account and that amount usually equals your credit limit. Secured credit cards are for people with no or limited credit history. A secured credit card application can offer guaranteed approval.

What is a balance transfer?

A balance transfer allows you to move debt from one credit card to another. This can be a benefit if you find a credit card with a lower APR or they can be initiated to take advantage of a balance transfer introductory offer, which can be as low as 0% APR.

Balance transfer request can include up to a 3% fee, but there are also many credit cards with no balance transfer fee.