If the ID thief does not have my Social Security, how can he submit a credit card application on my behalf? If they have my SS#, they can go online and apply for a credit card anyway. Am I missing something?

i assume you're talking about the come on teaser you got in the mail when you say "credit card app".

the problem arises from the outfit who sent you the offer. They've already pulled your credit history and know your SSN. It's all in their file.

so if they're not very careful … here's what could happen …

[omitting a vital step or two here to not give away how to do the whole thing.]

thief steals your mail and sends in the credit card offer himself. He gets the card in the mail when it comes [come on -- you aren't home are you? you're at work. is your mailbox locked?? thief steals the card when it comes]

thief also steals the welcome letter, etc. [his only risk is Saturday when you might be home instead of at work plus/or some nosy neighbor who wonders why Joe Unknown is opening your mailbox.]

you are clueless — he has a credit card in your name and on your credit.

viola!! he's off to the races. how much can he charge in small, ordinary situations before the card is deactivated?

your credit is paying for all of his gas, grocery store, etc. purchases and maybe some new electronics if he can find a store that doesn't check for photo ID.

here's the real kicker — if your mailbox isn't locked and he intercepts the original offer and following mail, you'll never know he did anything at all until the account goes unpaid and the bank's people call the fake phone number, get the wrong person, and then go searching for your real phone number.

that could be thousands of dollars later and all on your credit!!

With the advent of the Internet, the way we run our businesses has changed dramatically. It has made the world spin faster and no one wants to wait for anything anymore than few seconds to few minutes. Waiting for 300 seconds too long and it is frustrating. The credit industry tries to exploit this growing weakness of the society to market its products. They try to attract customers through instant online cards and online credit card approval schemes.

How does the online credit card approval system work?

Once you fill your application online for your choice of credit card your credit details will be verified by the system; if you have your credit history anywhere between good and excellent then you are certain to get your card application approved and you will be notified of your status through email. In case of poor credit, your application will be declined and this too will be notified of the status of the application.

Is it safe to apply online?

You have to be careful while you apply for any cards; stories on online card scams never cease. Try to identify reputable credit card companies before you apply for your card. If you suspect that the application is requesting unnecessary information then be warned and try to check on other online application forms to see whether they request similar information. Secondly, be cautious of the terms and conditions; double check everything before you submit the details. Many online card approval schemes demand security deposits. The range of security deposits vary from $200 to $600.

Is online card approval really useful?

The answer would be yes and no. It is useful because you know the status of your application for the card instantly, you will know whether your application has been approved or not. You save yourself from the painful period of waiting and also the frustration when your application happens to be declined. It is lot more helpful to be updated of the status even if it is going to be declined so that you can start checking out for other options.

Besides that, card applications to a great extent seem not to worry about the credit history. There are people who have got their application approved even without a good credit history. However, we are not sure whether those are some exceptional cases or whether that is the general trend with online card applications. For some strange reasons there are also people with good credit history whose applications have been declined. This can be due to various possible reasons including the inability of the system to access the credit history of the applicant at the time of the application submission.

Even though your application gets approved instantly you have to wait for your card to reach you through mail before you can start using it. This is yet another marketing gimmick from the credit cards industry.

Summary: Today it is possible to apply for credit cards online and know the status of your application through online credit card approval. You have to be extra careful while applying for your card online enticed by instant approvals, as you might become one of the victims of online credit card scam.

Credit cards offer the ultimate ease and convenience in shopping and purchases. With just a swipe, you get to buy even the most lucrative items on the shopping rack. They’re the prolific things these days; these miniature cards people use to buy things – from shoes to dresses, to food, to cars and appliances. What makes them so prolific? It’s the fact that they can now be easily acquired with the help of the Internet. Anyone can now apply for a credit card online. And more importantly, anyone can have their applications approved in just a matter of seconds – this is what one calls instant credit card approval online.

Instant credit card approval means that applications are approved in a matter of minutes after sending the application. The common misconception here is that with instant approval, the person can now print out the card and start shopping. This is not the case, as you still have to wait for your approved card, which may take five to seven days as it has to be sent through snail mail. A few years ago, Instant Credit was developed. With instant approval, the credit holder is given a temporary card number which allows him to make online purchases. But due to losses from fraudulent uses of instant credit, the feature was scrapped away by banks and credit card companies.

The good thing with instant credit card approvals online is that you get to see in just a couple of minutes if the application was ‘worth’ the try. There’s no need to wait ‘in vain.’ With traditional snail mail, one has to wait for days or weeks for the credit card company to process it and another week more for them to send out the card.

Instant credit card approvals are usually targeted to people with good credit standing or records. But don’t despair. Even with a bad credit history, there are companies approving credit card applications mainly due to the competition between credit card companies. In some cases, banks have to defer the approval or decline of an application until enough back-work has been done, especially for applications with a not so good credit history.

So as not to get your hopes up, try to learn more about your personal credit report. If you know that you have a good credit rating, you can be pretty sure that your online application will be approved in no time at all. But if you think and know that you have had problems with your credit, your application wont be as fast, but you will be given notices and updates from time to time.

With online banking and online shopping, it’s no wonder that there are also online credit card applications and online credit card approvals. With the Internet, there’s ease and flexibility and convenience in practically everything. You apply for a credit card online, your application gets approved in just a matter of minutes, you get to purchase and shop things online and consequently, you get to pay for these purchases online with the same credit card you applied for through the web. What could be easier, more flexible and more convenient than this? You don’t even need to leave the comforts of your home and join the throng of shoppers waiting in the line at the cashier’s counter.

I'm underage (16) and I got to thinking about people my age who have credit cards (and not with their parents account/consent). They've lied about their age on the application. Is there any punishment for this? Does anyone find out? Could a minor really get into trouble for this? Can't you just pay off the card?

Potentially the card company could take legal action for obtaining money under false pretences. However, I would consider it massively unlikely they would bother bringing a civil action against a minor as long as they got their money back.

Credit card applications are big business. Credit card companies offer so many different ways to apply for a credit card but applying online is the best way.

The first thing that has to be done is to access the world wide web and run a search for the credit card companies that offer online applications. Your search will throw up a whole list of them and you would have to narrow it down to those credit card companies that operate within your district or state. This is advisable as credit card institutions are governed by zonal or state regulations and you may be more familiar with your own.

When you get to the website that offers you an online credit card application some information will be asked from you.

You will need to fill in the basic information like your name, social security number, date of birth, contact details and address to start with. Once you do that and click the send button, you can either get an instant approval or it may take a few weeks. The key to getting an approval is generally your credit rating. The better the credit rating, the quicker the approval.

In case you are wondering about the security of the information as well as your application, almost all credit card online applications feature secure technology which uses high level data encryption. You have to ensure however that you are interacting with a credit card company of repute. And more importantly it is always advisable to apply online from your home computer and never from a public computer.

You can also apply for more than one credit card. A number of people do apply online for a couple of credit cards from different credit card institutions as well. The approval of course depends upon your credit rating.

One of the special features of applying for credit cards online is that at a glance and from the comfort of your home you can shop and compare the many credit cards that are available. This saves you a lot of time and makes it relatively easy as well. You may find this information through the various mailers you receive through post. However when online, you can with a click, link up to various sites and get much more information on the various credit card applications.

Also if you have had a ‘not so good’ credit history then chances are that you might not get too many credit card offers through mail. This is also true if you are trying to reestablish your credit worthiness as well. Online credit card applications offer you many more options and opportunities to get yourself a good credit card.

A lot many credit card companies also advertise a number of special offers when you use their online application system. If you are lucky you can get some really good discounts, travel specials, shopping rewards and business add-ons to make you happy. Often as an end consumer you stand to benefit with the freebies offered. You must however read any fine print that accompanies these offers. Most of them would be specific to a special period of promotion and are subject to change.

When you receive a credit card which is applied on line you can also stand to benefit with a purchase delivery protection. This basically covers your purchased items against loss or damage from dispatch to delivery. This is not mandatory but several good credit card companies offer you such attractive features.

All of the above comes relatively simply by following the directions on the online credit card websites. That is of course after you have first checked if you really need to go in for the credit card and if it is going to benefit you at all.

You can also get all the required information on credit card charges, fees and the general fine print via the internet as well. This is a very good benefit and helps you make an informed decision.

The internet is today used globally and it is helping the world get smaller. Communication and business is also taking place at lightening speed. Why then should you be left behind in this net age? Go ahead, apply for a credit card online today.

http://www.BPCreditCard.Info BP Gas Credit Card Application online with a 60 second guaranteed approval. Gas rewards cards with 10% introductory rebates with no annual fees and no limit on rewards.

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Credit cards are issued by banks and financial institutions for bearing out temporary shortfall of cash during shopping, eating out, making purchases and any other reason. For every single amount you spend through these credit cards, you need to repay the amount along with the interest on it at the end of every month. This is an easy task with a single card and smaller debt amounts. But when you are having too many cards and debt amounts are touching skies, it becomes a trouble for you. Credit card debt consolidation loan here act as the rescuer for us in clearing our troubles.

Credit card debt consolidation loans are loans for consolidation of all your credit card related debts which you may be facing trouble in repaying. With the loan amount you can pay all your existing unpaid credit card bills. These loans are available against security as well as without collateral. Presence of collateral gets you bigger amounts and longer terms. Without collateral you can get quicker financing at competitive rates.

You can search for a credit card debt consolidation loans through internet. Online debt consolidation lenders are becoming the choice of today’s borrower with benefits such as free online quotes and comparison tools, loan calculators, no upfront costs, reduced paperwork, faster application and quicker approvals. Also the online application form is completely secured under data protection act 1998 avoiding misuse of your personal information.

Banks and financial authorities are very strict regarding the repayment of the credit cards. A little delay from you, and be ready to face the penalty charges and fine. Non-payments can further lead to legal notices and threatening calls from creditors and ultimately may lead to bankruptcy. After that some lenders may even deny you from taking the loan. So, it’s better to control the situation before it becomes unmanageable through this kind of loan.

There are certain measures which you can follow to keeps your credit card loans controlled after taking a credit card consolidation loan services such as:
– Lesser number of credit cards – Use of cash or debit cards if you are uncomfortable in carrying cash. – Transfer all your credit balances to a card with low interest rate – Attend credit counseling and debt education programs – Enroll yourself for credit card debt consolidation plans

All this will help you in avoiding credit card debts and for your present debts on the credit card consolidation loans.

I applied for chase credit card one month ago and no response I got. There is some error in my e-mail id. So anybody know how will I know if my Credit Card application has got approved?

The company you applied to you will tell you!

The way they do this (e-mail and/or post) will vary depending on the company. Invariably, if you apply online, you'll get a response by e-mail or a method to log on to the company's site and securely view the status of your application.

If you applied by phone/post – you'll get a letter.

Either way, if you suddenly get a credit card in the post, the answer is pretty obvious!

Credit cards had been a popular form of purchasing items on a “chargeable” or borrowed term.

The advantages of having a credit card are:

1. Security, since one does not have to carry a large amount of cash to purchase certain items.

2. Convenience. In case one has to purchase an item that is immediately needed (and is out of cash), these can be purchased using a credit card.

3. Cash advances. Purchases that require cash payments may still be accommodated by the credit card through the cash advance feature. This works like a regular ATM transaction (with of course a corresponding interest rate)

Disadvantages

1. Interest rate. Unlike purchasing with cash, credit card charges come with a corresponding interest (unless paid before the due date). The consumer should be aware of the various interest rates offered by the different credit card companies. One has to choose the mode of payment (plus the interest rate) that would best suit his or her capacity to pay.

2. Overuse. A consumer tends to purchase items that are not really needed or included in their budget if they have a credit card that is ready to use.

3. Annual fees. Whether one chooses to use his or her card, after activation, annual fees will be charged.

4. Other charges. A delay in the payment during one billing period would incur you additional charges.

Credit card online approval usually is far easier than manual applications that require various forms to be completed before it can be processed. The company likewise is more likely to receive your application on a shorter period of time as compared to snail-mailing your forms.

For a faster credit card online approval, take into consideration the following:

1. Do not leave any unanswered line, especially those marked with a red asterisk.

2. After completion of the online application, immediately send either through email or facsimile the additional requirements needed.

3. Take into consideration that credit card companies prioritize applications of the following group of people:

- married couples

- persons with a mortgaged house or car

- persons with several dependents

4. Choose credit card companies that have a promotional offer in the application process, chances are, promos are offered due to low application rate, thus prioritization your entry is a sure shot.

The logic here is that the more obligations an applicant has, the more they are likely to use the credit card, which equivalents to higher earnings (through interest charges) on their part.

Many people have questions when they apply for a credit card – which is the best for me? How do they decide to give me a credit card? Why do they need to know all these things about me? What does it mean to be pre-approved? What could make the card company decide not to give me a credit card?

It’s not all that mysterious a process. Companies make their decisions based on your credit score, which is derived from your credit report and other information that they may have about you. Your credit record is maintained by reporting bureaus – the Big Three are Equifax, Experian and CallCredit. Each maintains a separate credit history, and as a general rule, they don’t share information with each other. Your credit file may contain may details like:

-People on the electoral register at your address
-Details of late payments or defaults on any loans
-CCJs and bankruptcy orders against you
-All your applications for credit
-Other people who share your address

The credit reference agency does no more than supply the information on your credit history. When you apply for a credit card, the company that will issue that card takes your credit report and feeds the information in it into a set of algorithms – mathematical equations – that compare your information with the information about a fictitious ‘ideal customer’. That customer has certain traits – a particular wage, a certain number of credit cards, a particular marital status, own a home or rent one, be living there for a certain number of years. The closer your own traits are to that ideal, the higher your credit rating or score will be. The higher your credit rating, the more credit card companies would be pleased to have you as a customer.

Before you apply, it’s to your benefit to shop around for the best credit card for you. It is NOT to your benefit to just apply willy-nilly to any credit card offer that strikes your fancy. It’s really not true that ‘the worst that can happen is they’ll say no.’ There’s another, not-so-obvious consequence to credit card rejections. You might have noticed that one of the things that appears in your credit report is a list of your applications for credit. If that list is too long, it will be a negative mark in your credit score, making it harder for you to get the credit card you want. That’s why it’s important to shop around before applying – and the best is one that is almost certain to approve your application.

Some reasons your application may be turned down:

-You’ve applied for a card that targets people with higher credit scores.
Most companies that issue credit cards have a variety of them – they call them ‘credit products’ – each aimed at a different market. A reward credit card, for instance, often targets those with the best credit scores. At a credit card comparison site you can check each credit card offer to see if it is aimed at those with excellent, good, fair, poor or bad credit, and apply for the one that best applies to you.
-You don’t have any credit history.
Believe it or not, never having borrowed money before can work against you when you apply for a credit card. If you have no history of having paid bills, then the company has no way of judging whether or not you’ll pay their account.

-You’ve not been in your current job or residence long enough.
One of the pieces of your credit score puzzle is how stable you are, and that’s judged by how long you’ve been in your current residence or position. If it’s less than two years, it will be a negative, even if there’s a good reason for it.

-You’ve applied for too many other credit cards and loans.
This is one reason to be sure you only apply for the best credit card – the one that you’re most likely to be approved for. If you’ve applied for many credit cards in a six to twelve month period, the credit card companies may see it as a sign that you may be in financial trouble.