The phrase
"one's credit card application" refers to a formal request made by someone to a bank or credit card provider, asking for their permission to issue them a credit card.
Full definition
Your spouse earns all of the income, but based on previous
credit card application rules you wouldn't qualify for a card since you didn't have an income of your own.
One reason people apply for a combined purchase and balance transfer card is that they are worried about making multiple
credit card applications as they can harm your credit rating.
Also, keep in mind that you can combine your income with your spouse's or significant other's income, as
many credit card applications ask for your household income.
I recently wrote a post about my experience with my very first large
credit card application cycle, and subsequently wrote about how I decided to pick the particular cards I picked.
You'll typically receive a decision in a matter of moments —
most credit card applications are completely automated, which means a computer determines whether or not you are eligible.
The firm earns money by helping banks figure out
whether credit card applications might be fraudulent, and banks are among the institutions most actively opposed to new notification requirements.
Even two
personal credit card applications for the same issuer made at the same time can result in two different inquiries, in particular when an issuer pulls under two different entity names.
Both forms ask for your basic information, but the pre-approved form does have quite a few more detailed questions — it almost resembles a
full credit card application.
Before you start figuring out how to apply for a credit card online or how to get a
paper credit card application, understand what it takes to get approved.