Is it better to apply for a credit card or when they call you?

Question

i get tons of offers in the mail...i have gotten a few phone calls to... what looks better gettign the call or me going to apply for one?

i get tons of mail...i think it more personal if they call you with an offer. makes sense?

Answer 1

You mean you don't get loads of mail asking for an application. Nobody calls me, I'm on the do not call list, and with the tons of offers I do get, I never seek to find one.

Answer 2

To be honest with you I would rather fill out the form. I mean if you think about this then you will agree. Applying online or on paper makes sures that your getting all the info. Speaking to them over the phone is bad because there are people that will ask your social # moms maiden name, birthdate, stuff like that. so be very carefull when doing this, Choice is up to you friend.

Answer 3

You should go apply for one. I think anything having to do with money should be done in person. You can't trust people through the mail, or the phone. Too many scams!

Answer 4

It really doesn't matter either way. I would suggest, though, going to your bank and applying for a credit card through them. They often have alot lower interest rates and better services. 20+ percent versus 15% or less at the bank.

Answer 5

Trick question.

The best credit card is the one you don't get.

Why would you want to put yourself in a situation where you are going to be a slave to the bank for the rest of your life?

http://www.daveramsey.com/

Check out his web site, listen to his radio show.

There is no greater feeling in the world than having Zero debt and a solid financial future.

Answer 6

It doesn't mater whether you aply over the phone or through the mail as far as your credit score is concerned.

Answer 7

It doesn't matter. Research to see who gives you the lowest interest rate without an annual fee.