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Credit card cloning, or "skimming" as it is sometimes called, is a new technique whereby someone obtains your credit card details, copies them onto a bogus card and begins using the credit card. While credit card theft itself is not new, the manner in which the information is stolen is.
The first step is to recruit an individual willing to participate in the scheme. Bartenders, wait staff or shop assistants are often prime targets because of the sheer volume of credit cards they handle.
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When you find the card best for you, click on the "Apply Here" button next to the card and fill out the secure online application. |
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Q: What information will I need to provide for a credit card application?
A: You will need to provide basic information about yourself such as your driver's license number, Social Security number, date of birth, address and annual household income.
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The waiting time can vary. Some credit cards offer instant approval while others may require several weeks. Generally, the better your credit rating, the faster the response time for a credit card application will be. Once a decision is made you will be notified by mail, e-mail or both. |
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All credit card applications linked to from CreditCards.com feature Secure Socket Layer (SSL) Technology and offer the highest level of internet security involving sophisticated data encryption. Your information is safe.
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Yes, you can apply for more than one credit card. Many people have multiple credit cards. However, only card issuers can decide whether they want to approve your application for an additional card or not. If you have several credit cards, at some point issuers may decide that your total available credit is already high relative to your income, and may decide not to issue you more credit cards. |
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Q: Is a checking account required with the bank I want to apply for a credit card with?
A: No. You do not need a bank account open with a particular bank in order to apply for their credit card.
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You must be at least 18 years old, a U.S. citizen or permanent resident alien and have a regular income. The creditor will look at your income and Credit Report and give you a Credit Score to determine if you are a good risk for a loan. The results of both of these will determine the type of card, interest rate and credit line you are offered. |
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How can I get a copy of my credit report?
Contact the three major Credit Reporting Agencies. Contact each of them because more than one may have a file on you. Link to Equifax, Experian, or Trans Union for details.
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Yes. Each credit card application you submit triggers an inquiry into your credit status. This inquiry remains on your report for 1 year. A red flag is raised if there are more than 10 inquiries during a 6-month period. This is a possible indicator that you are a high risk because you are in too much need of credit. It is a good idea to limit your credit card applications |
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