The Ultimate Guide to Credit Cards

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Every credit card application is a little different, but the overall information is the same. Here are some common components of a credit card application:

Card Features:

Most credit cards will include details at the beginning of the application that explains what features, fees and rewards are associated with the card. You do not have to fill anything out in this section, but you should definitely look it over.

Example:

Example of credit card features

Personal Information:

This will include your name, address, phone number, email address, date of birth, and your social security number. For some applications, such as prepaid debit cards, you may only need to include the last four digits of your social security number, or you may not need to include it at all. You may also be required to provide a previous address if you have lived in your current home for less than three years. If you are a college student, the card company may further request the address of your permanent residence, since you will only live at school for part of the year.

Example:

Personal information form example

Financial Information:

This will include information about your employment status and your annual income. A credit card company will want to know where you work, how long you have been there and how much you make before taxes.

Example:

Financial information form
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Page 6: How Do You Apply for a Credit Card?