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Credit cards are irresistible it seems - the majority of Americans own at least one or two each. And it certainly doesn't hurt their appeal that they are so easy to obtain. Here is a guide on how to apply for a credit card online.

First of all, you will want to carefully compare the different credit card offers out there, as they all vary from detail to detail. You must decide what exactly you will be using the card for and how likely it will be that you will pay the balance on time every month. This information will then determine what kind of card is best for you - perhaps one with low APR or minimal extra fees or lots of benefits. Furthermore, you must find out what credit cards you even qualify for in the first place!

The better a credit report you have, the more attractive a card you can obtain. Your credit history is based upon your reputation for paying bills on time and spending money within your credit card limit. Not only will late and over-the-limit fees hurt your piggy bank, ensnaring you in credit card debt, but it will also hurt your integrity as a loan applicant. You may not even be able to buy a car or a house if your credit report is poor. So it's a good idea to order a credit report so you can then know exactly what your options are.

Now that you've done a bit of research and financial planning, you can scout out the various credit card plans available. Once you've found one that suits you, you'll find that applying for it is incredibly easy as you can apply for a credit card online and even get online credit card approval (sometimes even instantly)!

All you have to do is visit the website of the financial institution that carries your favorite card, and then proceed to its convenient, online application. Almost all the major institutions, from Mastercard to American Express, will offer this easy application process. Not to mention, each company website will provide up to date, in-depth information about the plan you are interested in.

Mastercard's website, for example, allows you to fill out a few forms defining what type of credit card you are looking for. Then it will give you a list of all the offers it has that falls in line with your desires. The Orchard Bank Silver Mastercard is built to help those who need to reestablish their credit while the Orchard Bank Gold Mastercard accomplishes the same thing but also allows a cardholder premium benefits! So there's obviously dozens of options for people of many different budgets and purposes. And shopping online is the easiest way to sort through it all.