Many of us get credit card offers through traditional snail - U.S. Postal Service - mail, and we understand how those offers work.

A lot of credit card offers in the mail claim that you are already approved, even though you may not be, and you still have to wait a few weeks before you hear anything back, after you apply. Those days are history since the Internet has made applying for credit cards easier. On the Internet, you can apply for a credit card and receive a response in minutes instead of waiting weeks for a response.

When you have good credit, you have almost no problems at being approved online, immediately for a credit card. Cards that have the best terms and rates are nearly always available for consumers who have good credit. It is wise, before you apply online, to determine how good your credit is. You should get a free credit report online, and check your credit standing.

If, at this time, you do not know your credit score of if you have not reviewed your credit report in a long time, now is a the right time to do so. Review your credit summary, and correct information that does not add positive commentary to your report. Remember, being turned down for a credit card online may affect your credit score, and future credit offers made to you. Also, remember to check your credit report at least twice a year, so you will typically know where you stand with your credit.

After you have checked your credit report and evaluated how good your credit is, you may apply online for a credit card and get an immediate answer. Regardless which credit card issuer you visit online, you will be asked for personal information, such as your name, age, employer, phone number, social security number, income level, and other personal information.

Before filling out the application online, for your new card, you should go over the credit card terms and conditions very closely. You should check the APR (Annual Percentage Rate) to make sure there are no transaction fee surprises. Once you apply, the credit card issuer will use your social security number to request your credit report. They will use the credit report to decide your financial credibility and whether or not you should be approved for a credit card.

Before filling out the credit card application, you should make sure that the credit card website you are using is encrypted and secure. The usual encryption these days is SSL 128-bit. This encryption level ensures that the information you are sending is secured. If the credit card website has less than 128-bit encryption, it may be possible for someone else to steal your personal information, possibly resulting in identity theft.

After you have finished filling out the application and sent your information to the credit card company, you will have the final decision in a matter of minutes. The decision will be shown on your computer monitor screen. If the decision is not shown on the screen, it will be mailed to you via traditional postal service. Upon approval, you should expect to receive your credit card in the mail within a few days. If you do not receive approval, you will be mailed the reason why.

Applying for a credit card online is currently the most desirable way to request a credit card, since it is much faster than applying by mail. Anymore, there is no more waiting for weeks to receive a response, and you can know, almost immediately, your credit card approval decision. When you apply for a credit card online, keep in mind, these days there are hundreds of online credit card issuers wanting your business, which gives you many choices for choosing the credit card and credit card issuer that is best for you. If you choose wisely you will get a credit card that will be of great advantage to you for many years.