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Online Credit Card

Top Companies: This Week's Reviews

Discover Card
P.O. Box 30943
Salt Lake City, UT 84130-0943
800-347-2683
www.discovercard.com
Services Offered: Online credit card approval
Company Overview: Founded in 1986, Discover is a leader in the credit card industry. They now offer online credit card approval, and work with two different payment networks. The PULSE network that Discover works with is associated with more than 4,000 banks and lending institutions and has more than 260,000 ATMs worldwide.
Our Review: Discover is, and always has been, a leading company to work with. They have a professional website, professional and personable customer service, and a great array of online credit card options for all consumers. They are definitely first pick when you are looking for an online credit card application.
User Review: Discover card has been a part of my family for quite some time. When I was 20, I decided to apply for my own Discover card because my parents and older siblings like them so much. I was amazed at the friendly nature of the customer service team, and I got approved with very little credit history, which was very cool.

Credit Axis
3747 S Broadway
Englewood, CO 80110
303-346-5182
www.creditaxis.com
Services Offered: Online credit card approval
Company Overview: In 2003, Credit Axis was established as an online credit card and loan processor. They have a network of over 80 lenders that they work with, giving consumers a variety of online credit card and loan options. They have credit resources, as well, so that consumers are informed about credit and lending.
Our Review: Credit Axis is a great company for many reasons. Not only do they offer online credit cards, but they offer them to people regardless of credit history, which is helpful to those who can’t get credit elsewhere. Their website is easy to use, and they’ve got resources that can help consumers as well.
User Review: Credit Axis was the only company I found that was willing to give me a chance. They were so helpful, and made getting a credit card easier than I thought it would be. I’m so grateful that I found them, because now I can get back to restoring my credit.

Bank of Internet
12777 High Bluff Drive, Suite 100
San Diego, CA 92130
(858) 755-6381
www.bankofinternet.com
Services Offered: Online credit card approval
Company Overview: Bank of Internet was established in 1999. They are an online-only bank and lender, offering online credit card approval and accounts, online banking, and online lending for consumers and businesses. They are a leader in the internet banking industry, and have more than $1 billion in assets.
Our Review: Bank of Internet is still one of our favorite companies for credit cards and loans. Their online credit card forms are easy to fill out and their interest rates are unmatched. Bank of Internet is known for its professional, easy to use site and their top-rate customer service.
User Review: I got a great credit card from Bank of Internet, along with great interest rates and customer service. I love how easy their online credit card application was, too. I only use the card for emergencies but it’s still nice to have, and to know it’s from a company with such a good reputation.

First Plus Platinum
4894 W. Lone Mountain Rd. Suite 128
Las Vegas, Nevada 89130
1-800-595-5110
www.firstplusplatinum.com
Services Offered: Online credit card
Company Overview: First Plus Platinum was founded in 2007. They offer guaranteed approval for an online credit card. The company operates online only, but has a phone contact and mailing address for their customers and account holders. They have a variety of programs and credit cards to meet the needs of every consumer, and serve thousands of customers each year.
Our Review: First Plus Platinum offers an online credit card for just about everyone.
User Review: I received my First Plus Platinum card in September of 2007. I only planned on using the card for emergencies, but ended up using it on a regular basis. The interest rate wasn’t too bad, but still a little high. Slowly my limit went up and so did my credit score. Now that I established good credit I only use the card here and there.
Other Top Companies for Online Credit Card :  

CreditCards.com

Address : Online Company Only

Phone : Online Only

http://www.creditcards.com

Credit Card Guide

Address : 2645 Appling Rd, Suite 101
Memphis, TN 38133

Phone : Online Only

http://www.creditcardguide.com

CitiCards

Address : P. O. Box 6500
Sioux Falls, SD 57117

Phone : 800-347-4934

http://www.citicards.com

Bank of America

Address : 100 North Tryon St.
Charlotte, NC 28202

Phone : 800-900-9000

http://www.bankofamerica.com


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Beware of Online Credit Card Scams:

 

There are so many companies out there that offer online credit cards and online credit card applications that it is easy to feel a sense of trust with any of them. However, if you take the time to check out your options and investigate each company, you might find some that are less than trustworthy. You should ALWAYS check out the reputation of a company before you give away your personal information; especially with an online credit card application. If you visit a known credit card company, make sure you type in their address or follow a trustworthy link. Then, you should check to make sure that the site appears to be legitimate, and look for a secure logo when you go to the online credit card application. For this, you will either see a small padlock in your address bar or in the bottom right of your internet window. You can also verify that a site is secure by checking the address. Once you open an online credit card application the site address should change from “http” to “https”, with the “s” standing for secure server. There are many people who use companies’ logos and try to scam others out of money or personal information by pretending to be something that they’re not. You shouldn’t be afraid of the internet or avoid getting online credit cards, but you should be prepared and informed before you start filling out applications so that you don’t get taken advantage of. This will allow you to have a more enjoyable experience with online credit cards and credit card applications. It’s really easy for a scam artist to pretend to be another company or a legitimate website by just stealing a few logos and not actually providing the services that they say they will. However, if you take the time to check out any website that you’re going to give your information to, you’ll be better able to get the credit card that you want and not have to worry about getting ripped off or facing identity theft.

 


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