Looking to apply for credit card for the first time or for a new credit card? Use our credit card links:

Some general credit card information

When you are applying for a new credit card there are a couple of things you should base your decision on:

• APR. The annual percent rate of interest on your credit card tells you how much interest you will pay on outstanding balances on your credit card.
  
  
• Initial Rate. Many credit cards offer lower than standard introductory or initial rates as an offer when you sign-up. These rates tend to last for limited initial periods.
  
  
• Balance Transfer Rates. If you have an outstanding balance on other credit cards and you want to transfer this to your new credit card, some credit cards offer reduced rates on initial or all transfers.

Applying for credit cards

When you apply for a new credit card there are certain key information points the credit card provider will base their decision on: -

• Voters Role. Are you on the voters role for your address? This will influence your credit card application greatly.
  
  
• Length of Residency. How long have you lived at your current address? Do you own the property is are you renting? This will help the credit card company guage your stability.
  
  
• Credit History. Do you have a credit history? i.e. do you have any other credit cards or loans which the credit card provider can guage your credit history.