Whether you’re looking for your very first credit card or a new credit card to add to your wallet, you’ll want to compare credit card offers before applying for one. That’s the only way you can ensure that you get the best deal possible and that the new credit card will give you the kinds of rewards or perks you really want. read more..

You’ve found the perfect credit card offer for you. You’re ready to apply. But you’re smart — knowing applications will stay on your credit file as enquiries for years. You decide to evaluate your chances of having an application approved before you waste time on paperwork (or filling out digital forms — whatever you prefer). Will you be approved for that dream card of yours, or would your time be better spent elsewhere? read more..

Some consumers approach their first credit card as something to be taken lightly. They might apply for several in the hopes of landing one for example. Or they might just apply for the first credit card offer that comes along.

Both of those approaches would be mistakes. Why? Because choosing your first credit card isn’t something to be taken lightly. It’s an important decision and one that might stay with you for years to come. read more..

Let’s say you’ve compared credit card offers and you’re ready to apply for a new account. Exactly what do you have to do to apply? What kind of information will the issuing bank want to know, and what documents should you have on-hand before you begin the credit card application process? read more..

If you want a new credit card, you have to apply. To have your application approved, you must meet certain credit requirements. One of those is a minimum income requirement. Credit card companies need to know that you earn enough to be able to pay your bills. Not only that, but your income determines the exact credit limit you can be approved for (the more you earn, the more a credit card company is generally willing to lend you).

Exactly how much do you have to earn to be approved for a credit card though? read more..