Want to know how to get a credit card? Not a problem. These are the steps to apply and receive approval. You can apply online, in person, or over the phone. Let’s get started.
- Choose an issuer. Research and select a credit card issuer that matches your preferences.
- Select a card. Pick a specific credit card that suits your needs and financial profile.
- Apply: Submit an application online, in person, or over the phone.
- Await decision. Patience is key while the issuer reviews your application.
- You will either be approved or denied. If approved, expect your new card within 5-7 business days. If denied, consider calling the issuer’s reconsideration line (this is optional). Contact the issuer’s dedicated line to discuss your application and explore a possible reconsideration.
- Enjoy responsibly. Use your credit card wisely and make timely payments to build a positive credit history.
By following these steps, you can get approved for a credit card that aligns with your needs and financial goals.
Always remember to use your new credit card responsibly.
If you can’t get accepted for a credit card because of your low credit score, we recommend reading our Credit Score Guide.
