How to Apply for a Visa Credit Card
Applying for a Visa credit card is easy compared to choosing which one to apply for. If you belong to a bank or credit union and have a fairly long history there, ask if they have Visa cards you can apply for. Credit unions generally have good reputations for offering credit cards with very reasonable interest rates. If your bank or credit union offers Visa cards, you can usually apply online, or you can ask for a paper application to complete and send in.
Any application for a Visa credit card will ask you for certain personal information. You’ll start out filling in your name, social security number, phone number, date of birth, and email address. You will also be asked to provide your address and indicate whether you rent or own your home. You will have to fill in your monthly rent or mortgage payment.
Your total household income per year is also required. To apply for a Visa credit card, you’ll need to disclose your occupation and information about your employer.
Visa will also need to know about any bank accounts you have and the total of their balances. If you have investment accounts, such as an IRA, 401K, or brokerage account, you will have to disclose how much they are worth.
Some Visa credit cards offer a balance transfer option. This lets you transfer a balance from another card to the new card, often at a temporary, discounted interest rate. Done responsibly, this option can save you hundreds of dollars in interest charges, but you have to transfer the balance to the new card (which can be done online usually), and then you must completely pay that balance off by the time the introductory interest rate expires to enjoy those savings.
Another choice you may make when you apply for a Visa credit card is your choice of card design. Many credit card issuers offer a choice of colors or designs, allowing you to make your card a little more personal. A few card issuers will even let you upload a photo to put on your card.
When you apply online, you might or might not be approved “instantly.” If you don’t get instant approval, it doesn’t necessarily mean your application has been rejected, just that they want to look over your information more closely before making a decision. If you’re turned down for credit due to something on your credit report, then you are entitled to a free copy of your credit report so you can see what information caused you to be turned down.
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Help answer the question about visa credit card
How many places in Japan take american Visa(credit) card?I was just wondering, when I go to Japan is there going to be ATMs that I can take out yen, with my visa? Or would it be better if I got the yen in the USA before I go, and how would I go about doing that? Thanks a lot, also there are some sites online that I can buy bus tickets(from tokyo to kyoto, kyoto to osaka, and Osaka back to tokyo) would I be able to do that with my Visa credit card? Thanks again!
July 31st, 2009 at 11:49 am
You will need to fill out an application. You will usually need at least your id and possibly also your social security card. You also should bring a pay stub. It is pretty easy to get a credit card, but make sure you use it responsibly.
July 31st, 2009 at 12:54 pm
check these links, you might even find a better card but there's plenty of advice throughout if you have time to read:
http://credit-cards.ebookorama.com
http://finance.ebookorama.com
http://credit.ebookorama.com
http://credit-repair.ebookorama.com
good luck!
if it helps please remember me cheers
July 31st, 2009 at 6:10 pm
NONE, unless you pay your bill in full EVERY month and NEVER carry a balance. If you pay them between 8-24% interest (or higher) and they give you next to nothing in return (a few miles, when you need THOUSANDS to fly), that's not really a good deal.
If you DO pay your balance in full EVERY TIME, pick the reward 1). you are most likely to use and 2). that will accrue the fastest. You don't want to wait years to be able to use the rewards.
July 31st, 2009 at 12:22 pm
i knw right so hiliarious same mind frame as me hehe
August 1st, 2009 at 2:13 pm
Get an english speaker customer service rep on the line and see if they can transfer you over to a spanish speaking rep.
August 1st, 2009 at 3:01 pm
Go to this site.
http://www.amazon.com/gp/cobrandcard/marketing.html/ref=cobrand_ch_s1/104-8918050-9643157?ad=0001&pr=stu&inc=def&place=marketing&plattr=none&imp=10023874701&type=S&refplace=marketing_con
Go here to learn all about credit cards
http://www.creditcardflyers.com/credit-education/
August 1st, 2009 at 7:06 pm
The closest thing to a credit card a CHILD can get is a pre-paid card. You have to be 18, have a job and be credit worthy to get a credit card.
August 1st, 2009 at 11:09 pm
no as you have the the money on there to use it, your loading the money on to it in prepayment method, like gas or electric for eg, you have to have it to use, credit is like borrowing money if it says debit your not borrowing the money
August 2nd, 2009 at 8:07 am
It will usually show up on your next bill, depending upon when in the cycle, the merchandise was returned. Call VISA and see if they have made the change.
August 2nd, 2009 at 10:24 pm
Hmm. This is the company that sent me a preapproved offer with 'lots of fees' attached. hence the offer went in the shredder.
Be sure to look at the fine print and understand the fees.
If thats still okay with you, then:
www,firstnationalcc.com