How To Become Pre Qualified For Credit Cards

July 22, 2011 by  Filed under: Credit 

The world today is focusing more and more on speed and efficiency in everything. Nobody is willing to wait for anything anymore, and a quick supply of anything that is purchased or ordered is often expected. This is also true for credit cards; most people do not want to wait for approval for any credit card they apply for, and they want to know straight away whether they are accepted or declined. Thankfully there is a simple way to speed up the credit card approval process, and that is to become pre qualified for cards before you apply.

There are two ways that you can become pre qualified; you can supply some lenders with some preliminary details about yourself, or you can apply for cards that are easy to be approved for. By supplying some preliminary details about yourself to a lender you are giving them time to check your credit and determine what cards they are willing to offer you and at what rates. Then if you choose to apply for one of those cards you will receive very speedy approval.

It is quite simple to become pre qualified for credit cards; all you need to do is fill out a general form for a lender and then let them determine what cards you pre qualify for. Most credit card companies have these forms located on their websites, and once you fill them out there is no obligation to apply for a card, it just makes things easier for you. By filling in this pre application form you will save yourself a lot of time, because if you didn’t you might end up applying for a card you want and then waiting days or weeks to hear back from them, only to find out you are declined. By filling in this simple form with a lender they will be able to tell you what cards you will likely be approved for, so you do not waste any time applying for cards for which you will be declined.

The second way to pre qualify for credit cards is to understand your current credit score and only apply for cards that you know you can get. This can be done by contacting the leading credit agencies and requesting a copy of your credit history and then doing some research online to determine what you can reasonably be approved for based on that history.

Credit card applications don’t need to take a lot of time, follow some of our advice and pre qualify today!

For more advice to help you find pre qualified credit cards check out our site. We also have some information on college students credit cards that you may already be pre qualified for.

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