An online credit card application is much like one that is sent through the mail, but with an added touch of security. An encrypted website will allow applicants to safely and securely enter their personal information, including a social security number, without having to worry about third parties gaining access. It can often be troublesome to mail a credit card application, which contains a social security number, due to the increasing number of identity theft reports.
There are many benefits to using an online credit card application, including the aforementioned security factor. In addition, many applicants enjoy the prospect of an instant decision, which is offered by many online credit card grantors. Most major banks offer instant decisions, often as quickly as 60 seconds. For applications that require additional review or if the creditor needs to verify additional information from the applicant, the final credit decision may be mailed to the borrower rather than him/her receiving an instant decision.
When completing an online credit card application, be sure to choose a financial institution that you are familiar with. This is not to say that it has to be a...
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