5 steps to obtain a Credit Card. – I want my credit card

If you want to know how to obtain a Credit Card, read this post, prepare yourself so that you will not be rejected when you request it, so your process will be successful and you will get approved.

You’ve heard why it’s important to have a Credit Card. But, you do not know how to apply for a Credit Card.

The basic steps to obtain a Credit Card are quite simple:

  • Check your credit history and identify the Credit Cards for which you can qualify.
  • Compare the costs and characteristics of the Credit Card and choose the one that best suits your needs.
  • Complete and send a request for a Credit Card.
  • Get the approval of the card and receive your Credit Card.

Activate your new Credit Card and spend wisely!

Preparing you to apply for a Credit Card

Preparing you to apply for a Credit Card


It is important to know not only how to apply for a Credit Card, but how to obtain approval. Once you know how the credit card application process works, you can avoid common errors in the application of the Credit Card.

You can also be more selective when trying to obtain a Credit Card and improve your chances of qualifying.

This is what you must do to prepare before applying for a Credit Card.

You should know what is important for Credit Card applications.

How do banks decide to approve or reject credit card applications? They verify your information and decide if you meet the criteria to obtain a Credit Card.

Some types of Credit Cards or Credit Card companies will have more stringent approval requirements.

Let’s see the ones that generally evaluate:

  • Credit history:
  • You probably know that your credit score and credit reports will be important for Credit Card applications. Issuers generally like to see at least an average or more credit score.
  • Companies will also see your credit reports to see how you have handled other debts. They look for a long history of on-time payments and responsible loans.]
  • Therefore, late payments, high levels of indebtedness or a small credit file could scare them.
  • The first thing you want to find out is how credit card issuers see you. Maybe you have a decent credit score or maybe not. Either way, you will want to get a copy of your credit report and verify your credit score.
  • The better your credit history, the greater the probability of approval to obtain a Credit Card . Therefore, if your credit score is poor, you can try to improve it before requesting the card you want .
  • Income


  • The banking entities will also consider your income. They want to make sure that you can pay any balance of your Credit Card that you have borrowed.
  • A higher income will always work in your favor. You can still get a Credit Card with a modest income, just expect to have lower credit limits on your cards.
  • For a Credit Card issuer, the amount of money you earn is an essential rating factor. This helps the issuer determine what amount of a line of credit you can offer.
  • If your income is large, you can be granted a large credit limit because it would seem that you can make payments on any debt you acquire with the card.
  • When you list the income in the application, be inclusive. If you are adding the income of a spouse, make sure you have access to those funds if the money is needed to pay the bill. The “household income” can consist of a combination: The salary of a spouse.
  • In summary, if you earn a lot of money, you owe very little, and you have a long history of responsible use of a wide variety of credit products, your credit limit is likely to be higher. Oh! And the interest rate and the advantages of the Credit Cards will also be better.


  • Your indebtedness

  • Try to maintain the low credit card balances compared to the limits of your credit card.
  • Pay off outstanding debts on existing cards before submitting an application for a new Credit Card.
  • In general, it is good to keep outstanding balances below 30 percent of your credit. The lower utilization rates are better.
  • If your current cards are at their maximum, not only will your approval probability decrease significantly, but it will also appear that you are desperate and cashless.


  • Request only a maximum of two cards:
  • Be selective in your choice. Banks check your credit history each time you apply for a Credit Card, which can lead to a number of queries on your credit report, which could affect your credit score.
  • Therefore, do not apply for many Credit Cards at once and expect at least some to approve them. A lower credit score makes it more difficult to obtain approval in the future.
  • Being hungry for credit and being happy with making many requests is not attractive to banks.
  • It is better to get a Credit Card request one or two cards at the same time you really want and you are likely to receive approval.
  • Age:
  • You must be at least 18 years old to apply for a Credit Card.
  • If you are under 21, to obtain approval for a Credit Card, you must present proof of your income or independent assets to show that you can reimburse the amount you charge.
  • Otherwise, you have to become an authorized user on the account of your parents, guardians or other adult who is over 21 years s user
  • If you have a job, even if it is part-time, you can have enough independent income to obtain the approval of a Credit Card on your own.
  • It is important to remember that it will be your total financial responsibility to pay the Credit Card bill every month.



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