Depending on the issuer, there are several different ways to apply for a credit card. You can do so in person by visiting a branch of your preferred bank, by phone, or online if the issuer allows for it.
Online applications are safe, secure, and convenient. You’ll typically receive a notification about your application status more quickly than you would in person, often within mere minutes.
Before you apply, it’s a good idea to check whether you meet the specific criteria. If you don’t meet the qualifications, your application will not only be denied, but your credit score will also be temporarily damaged. Every new application triggers a hard inquiry into your credit report, which nips off a few points from your score. That is just temporary, and your score should be back to normal within 6 to 12 months.