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Credit Card FAQ

Q: How can I get started?
A:  At Your Credit Network, we have made credit card selection easy as A, B, C.  Simply begin by narrowing in on some of the requirements you have for your credit card.  Whether it be low interest rates, cash-back on every purchase, airline miles, etc.  Once you have made a decision about your credit card type, you can then visit the Your Credit Network Home Page or you can click from the navigation bar on the left side of the screen. The next page will contain several credit card offers – just compare the different features until you find the card that is suited for your needs. Finally, just click the Apply Now button, fill out the application, and you are on your way to a new credit card!

Q: What is the application process like?
A: After making a decision on a credit card(s) that is right for you, simply click the Apply Now button located just under the picture of the credit card you’re applying for.  Be sure to review the terms and conditions of each credit card offer to ensure that it fits your exact needs.  If these terms seem reasonable, fill out the application as thoroughly and accurately as possible.  Easy right?

Q: At what point will I find out if I am approved?
A: Approval for a specific credit card will vary depending on the nature of the offer, the policies of the issuing bank, and the information obtained from your credit report.  There are some credit cards that offer instant approval (visit our instant approval credit cards page) while others may require a few weeks. To speed up the application process, make sure all your information provided is up-to-date.

Q: How important is my credit score?
A: Credit scores play a large role in how fast you get approved.  Customers with higher credit scores tend to receive faster approvals, higher limits and lower annual percentage rate (APR).  Even with average or below average credit, you can still get approved!

Q:  Where can I find my credit score?
A:  There are many ways to get your credit score.  Simply search online for credit scores and your will find various offers on getting your credit score. We recommend Credit Report Professionals for a free copy of your credit report from all the major bureaus.

Q: If I am not a U.S. citizen, can I still apply?
A:  Your Credit Network only offers U.S. citizens credit card offers, but if you are not a citizen of the U.S. then simply contact the issuing bank at the number found in the terms and conditions document associated with your credit card offer.

Q: What kind of information needs to be provided in the application?
A:  Only basic information is needed. Have your social security number, driver’s license number, and your current mailing address in front of you.

Q: What if I am not a member of the bank for the credit card I want to apply for?
A:  There is no need to be a member of the bank for the card which you are interested in.  Select the credit card you want, click the Apply Now button, fill out the application, and your work is done.

Q: Can I apply for more than one card at a time?
A: Yes. It is quite common for a person to apply for two or three credit cards at once. Just remember that the issuing banks do review your credit information each time you submit an application (this includes how many applications you’ve submitted in the past) and at some point they may decide that you have the maximum amount of credit extended to you relative to your income.

Q: How safe is it to apply for a credit card online?
A:  Your Credit Network utilizes the latest 128-bit Secure Socket Layer (SSL) technology to encrypt the information sent from your computer. This means the data transmitted is safe from third parties.  Rest assured, your personal information is protected!

Q: Who do I contact regarding payments or account information?
A:  The customer service center of the bank that issued your card will be able to assist you.  The contact  information is usually listed on the back of your credit card as either a toll-free number or a web address.

Q: What if I have other questions besides the ones from above?
A:  The customer service will also be able to assist you with any further questions you may have. 

Q:  How can I report a lost or stolen credit card?
A: Immediately contact the bank that issued your credit card to report a lost or stolen credit card.  Visit the banks website online for a customer service number to assist you with this.

Q: What if I have questions about the website itself or the application process?
A: Your Credit Network is here for you.  Do not hesitate to contact us by email at info@yourcreditnetwork.com and we’ll get back to you within 24 hours.