Discover Card Application: Get The Card That Fits Your Needs

2007-03-08 10:33:40

( Financial )



Credit cards are essential for certain activities in your life. If you are new in the card market, you'll realize having a credit card is one of the first steps you take in building the kind of credit you will need to buy bigger things, like your own car or a house.

You may want to consider a Discover Card application, since Discover Card is aggressively seeking new accounts. A Discover Card application works pretty much like the card applications of other card issuers.

Essentially, a Discover Card application inquires about your income and assets, your existing debts and potential obligations (if you have other credit cards). The application will also try to establish your identity, so it asks for your name, address and social security number.

Be sure to request information about finance charges and fees, because these points are often overlooked by applicants or are not included in the application. Review the terms which are important to you.

You may get more information if you go to their Web site. The online Discover Card application gives you specific information about their offer of 0 percent APR for 12 months on purchases and balance transfers, payment terms, and default rates.

There are many kinds of Discover Cards, so look for the Discover application that contains features you need. If you plan to use your card to finance consumer purchases or investment opportunities, a low APR is desirable.

If you are considering several card applications, you should choose only one for now. It is unwise to apply simultaneously to different companies. Each one will order a copy of your credit report and this will adversely affect your credit rating and may result in disapproval of your card applications. You can always apply for the other cards later on, when your credit is more established.


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