Waiting in line can be on of the worst parts of a person’s day. But with the rise of technology, the need for lines is slowly being eliminated by allowing people to accomplish numerous things online from the comfort of their own home. One of the things that can now be done more conveniently and comfortably online is applying for a US bank credit card.
Five Steps in Applying for A US Bank Credit Card Online
Step 1: Gather all the information needed
When applying online, one will need to provide basic information including their name, address, the last four digits of their Social Security Number and their e-mail address. One would also need to check their credit score, regular expenses, and average annual income.
Step 2: Go to the website
The next step in applying for your US bank credit card online is heading to their website, www.usbank.com/credit-cards. From there, one can view all the credit cards offered by US bank. Users can also find two options on the website, “See if I’m pre-qualified” and “Recommend a card for me”.
Step 3: Find out what card you qualify for
Once on the website, pick from any of the two options and view what cards one is qualified for and which cards are recommended for the user. The form will require the customer to provide their name, address, the last four digits of their Social Security Number and their e-mail address. From there, recommendations for cards will appear.
Step 4: Applying for a card
Once you have chosen the card you want, fill out the application for the card that will be provided on the website. This form will be a similar form to the previous one filled out, but more comprehensive as this form includes the average annual income, expenses, money spent on rent/mortgage and how much one spends with on their credit card monthly.
Step 5: Wait for the bank to approve your application
After filling out the forms, one would have to wait (up to 2 weeks) for the bank to process their application and send them an offer via e-mail. In the e-mail, there will be a confirmation code which you will have to provide along with your zip code. At the bottom of this web-page, www.usbank.com/credit-cards you will find an option that reads “Retrieve your mail offer” once this is clicked, you will have to type the confirmation code and your zip code in the respective boxes and you will be re-directed to the next step. Note that those with better credit score will have a higher chance of receiving an offer quicker, while those with a lower credit score may have to wait up to two weeks to see if their application has been accepted.
Applying for a credit card online saves time and also allows users to apply from the comfort of their own home. Following these simple steps in applying for a US bank credit card online will make the application process easy to follow.