Q: Are online credit card applications
secure?
Yes!
All credit card applications available
on this site feature Secure SSL Technology.
Q: What is the status of my credit card
application?
hecard.net
Credit Card does not have access to the
status of credit card applications or
specific credit card account information.
If you would like to find out the status
of your application, contact the credit
card issuer by visiting their website,
or contact them by phone. Please DO NOT
send us your account number -or- other
important account information.
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Q: When will I know if I've been approved?
While
several credit card issuers offer "instant
online approvals", not all credit
card companies are as quick to make a
decision. In many cases it may take a
couple days, and in the worst cases, it
may take several weeks.
If
you need a credit card fast, please visit
our Instant Approval
section for credit cards which offer instant
online approvals in as little as 30 seconds.
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Q: How long before I receive my credit card?
Most
credit cards take up to 3 weeks to receive
by mail.
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Q: What can I do if my application is not approved?
Credit card
issuers are obligated to provide you with reasons
for declining a credit card application. You should
receive something in writing within several weeks,
or you can contact the credit card issuer directly
for a quicker explanation. Ask the issuer whether
you can make any changes to increase your chances
of obtaining a card. More
information...
Common reasons for declined
applications:
- Don't meet the required
annual income.
- Already have several
declined credit card applications.
- Credit report contains
mistakes or unapproved activity.
- Poor credit rating
-or- unestablished credit history.
- Your total available
credit is too high relative to your income.
Of course, you can always
attempt to apply for another credit card. Since
every credit card issuer has different standards
for evaluating and approving applications, it's
still possible to get approved for a different
card, or by another issuer whose standards may
be different.
If all else fails, hecard.net Credit Card offers several
Guaranteed Cards
which offer 100% approval, and help you establish
-or- rebuild your credit history.
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