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In today's credit-hungry world, the internet has made it easier to obtain credit cards than ever before. There is no more need to wait for an application to arrive unexpectedly in the mail or visit the local mall around the holidays and then mail the application in to the sponsor bank to see if you qualify for this treasured piece of plastic. Today, when you apply for a credit card online, you usually know within minutes if you qualify.

Whether your credit score is at the top of the charts, off the bottom or somewhere in between, there are numerous companies capable of accepting your application online. However, even when you apply for a credit card online and have immediate approval, having access to instant credit will be rare. Although some retailers and online stores may offer instantly to accept your order once the online application has been approved.

Most companies that allow you to apply for a credit card online feature secure sites to make you feel better about having your personal information whiz through cyberspace. While the information may well be protected against hackers, it also opens the door for an identity thief to use your information to apply for a credit card online in your name. They will use a different address to which the card will be mailed, but almost immediately after they get their hands on the card, they change the address so you can get the bill.

When applying for a credit card online many forget to read the fine print, often smaller on your computer screen, and wind up with unexpected charges. Some things to look for when you apply for a credit card online include:

* Annual Fees

* Monthly Fees

* Late Fees

* Over The Limit Fees

* Due Dates and Times

* Interest Rates

* Balance Transfer Fees

* Credit Limit Increase Fees

Many times people are fooled by low initial interest rates and no-cost balance transfers and if they accidentally miss a payment, or it arrives a few minutes late, all the fees can be increased and assessed with almost any type of credit card. The safest move you can make when you apply for a credit card online is to read thoroughly the disclosures. It is also a good idea to print them and save them in case you ever have a question about any aspect of charges to your card.

By remaining responsible with your credit card use and debt it can provide many benefits. Paying all your monthly bills on time helps protect your credit score and lower interest rates, which can insure a rapid approval when you decide to apply for a credit card online.