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by C.R. Hayes

Many times when you choose to fill out an application on the internet, online credit card approval can be done instantly. You are asked to give the same information as you would on a paper application that comes in your postal mail box. But rather than wait for the mail delivery and processing time, some people are more anxious to receive notification instantly.

Card issuers use the latest high-tech secure programming and fraud protection to protect the data you enter. So there is no need to worry about just where your financial information will end up. Make sure though, that the web address in your browser bar begins with 'https', which signifies a secure internet connection.

One of the biggest advantages of searching and applying online is that you can do side by side comparisons for different bankcards offered by different providers. You can also narrow them by the category you need, such as:

• 0 interest
  
• bad credit
  
• travel rewards
  
• those for college students
  
• cash back cards
  
• and more
  

When you get your choices narrowed down, you need to compare all of the fees associated, like:

• annual fee
  
• APR
  
• interest rate
  
• late fees
  
• any other cost that may apply
  

You will want to know how long any promotional rates will last too, if applicable. It's not uncommon to find that 0 interest rates can apply up to the first 6 to 18 months of your account.

If you are more inclined to opt for travel rewards or cash back features, make sure you get the most benefits and perks you can while still keeping your fees and interest rate as low as possible.

Before you apply, it would be a good idea to get a copy of your latest credit report and know your credit rating. After all, issuers base your acceptance according to your credit score. The higher your score, the better deal you will be offered and approved for.

Everyone in the U.S. is allowed one free copy of their credit report every 12 months. The Fair Credit Reporting Act (FCRA) requires this of each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion. You can order yours by phone by calling 1-877-322-8228, or by visiting annualcreditreport.com.

Online credit card approval can be both instant and convenient for the application and approval process, but you will usually have to wait for the actual card to arrive in your mailbox before you can use it. Nevertheless, you will still receive it sooner than if the entire process was done through the mail.

We recommend that you don't just stumble around the internet looking for good credit card deals when you can compare and find the right credit card that best fits your financial situation. Receive free, instant, online credit card approval by visiting http://www.creditlookup.net today.

Don't forget to download Indocquent's free social bookmark utility at http://www.indocquent.com/social_bookmark/social_bookmark_landingpage.html.