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The Ultimate Guide To Credit Card Application Rules, Exceptions, and Restrictions

Credit Card Application Rules

Do not submit your next rewards credit card or cash back card application until you’ve read this ultimate guide on credit card application rules, exceptions, and restrictions. Banks have implemented many sign-up bonuses restrictions in the last few years. These new rules make it tougher than ever for people to get approved for rewards credit cards and receive sign-up bonuses. By reading this guide, you’ll know each bank’s rules and how they apply to your situation.

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PayPal Credit Card Review: Get 2% Cashback and More

PayPal recently introduced a cashback credit card to their lineup. They’re hoping to attract more customers, but does the new PayPal Cashback MasterCard deserve a place in your wallet?

Once just the banking arm of eBay, PayPal is working hard to become your go-to electronic payment system. With its impressive earning potential and easy cashback redemptions, the new PayPal Cashback MasterCard is their latest step in achieving this goal.

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How to Pre-Qualify for the Best Citi Credit Cards

You know the routine. You come home from work, and before heading inside you check the mail. Along with a bunch of coupons you’ll never use, you find a few bills and, yes, credit card offers.

The envelopes that the credit card offers arrive in are the result of a lot of science. The colors and even the texture of the envelope were created to send the message that you long to hear: you’ve been chosen.

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Top Tips When Applying for a New Credit Card

Applying for a credit card isn’t a difficult process. The major credit card issuers have online applications that can sometimes inform you within minutes if you’ve been approved for the card. But there are some factors to keep in mind when applying to ensure that your credit score doesn’t suffer unnecessarily.

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Why do Credit Cards Expire?

Credit Card Expiration date

You may know a lot about the rewards and benefits that are included with your credit card, but you may not have considered those all-important four digits on the front of your card: the expiration date. It’s almost impossible to complete an online purchase without that data point, but what is the expiration date really used for? Banks have several reasons for including it. Read on to find out more.

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The Ultimate Guide to Getting a Credit Card Without a Social Security Number

Credit Card Without a Social Security Number

The good news is that you don’t need a Social Security number to get a credit card. The bad news is that you’ll probably have to establish a credit history in the United States before applying.

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When to Apply for a Travel Credit Card to Get the Biggest Sign-Up Bonuses

The recent 50,000-point drop in the Chase Sapphire Reserve’s sign-up bonus shows how important timing can be when applying for a new card. One day can make the difference between getting a great sign-up bonus or none at all. And nearly all of the major rewards programs and many airlines had cards with fluctuating sign-up bonuses last year.

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What to Do If You’re Declined for a Travel Credit Card

travel credit card

You’ve done the research. You’ve figured out which one of the myriad of rewards credit cards you want. It’s the perfect card to earn a free flight fast to wherever you want to go. You apply and… you get declined! Don’t worry; we know what you should do next.

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Citi Credit Card Application Rules

Citi Credit Card Application Rules

While Citi’s credit card application rules aren’t as complicated or restrictive as some issuers, they can still be confusing. It’s important to know these rules or else you risk being denied for a new card or forfeiting a sign-up bonus. In this post we‘ll cover the basics for applying and some strategies for insuring that you get the bonus.

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American Express Application Rules: Will You Get a Sign-Up Bonus?

american express

American Express is one of the most restrictive card issuers in terms of application rules.  Not only does Amex limit how many cards you can have and how often you can apply, but it also has restrictions on who qualifies for sign-up bonuses. Let’s take a closer look at these rules and see if you’ll get a bonus with your next card.

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How to Negotiate the Credit Card Reconsideration Line

When you first start applying for reward credit cards, it is a simultaneously exciting and scary process. Free flights: Yay! Credit card denials: Not so cool.

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What Credit Score Do You Need to Apply for Reward Cards?

Reward credit cards have become commonplace as banks and credit card companies use these perks to draw in customers, so it’s easy to forget exactly what they exist to reward in the first place.

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