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capthowdy94

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how do i apply for a credit card?

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The best thing to do first is to research all of the cards out there to see which would best suit you according to your needs and credit scores. You can read reviews on different cards across the internet to get an idea of what credit scores and profiles are needed for certain cards. Many credit card companies will have a preapproval area on their websites that you can try without getting a hard inquiry to see if you may be approved, but if you actually go through with an application you will get a hard inquiry on most cards, remember that hard inquiries cause slight damage to your credit scores, so only apply for cards that you think you have a good chance of being approved for. For limited or poor credit, secured credit cards may be the route that you need to go. A secured card is a card that you put collateral money down for. If you are new to building credit or rebuilding credit I would suggest check Capital One's preapproval on their website. If you have above or stellar credit, then you would want to look for a card with rewards and other perks.

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