Credit cards are simple to use, but applying for one can be a tricky process. Below are answers to some of the most frequently asked questions about the process.

Q: How long does it take to receive a credit card application decision?
A: The waiting time can vary. Some credit cards offer instant approval while others may require several weeks. Generally, the better your credit rating, the faster the response time for a credit card application will be. Once a decision is made you will be notified by mail, e-mail or both.

Q. How do I apply for a credit card?
A. First, search CreditCards.com to find the type of credit card you wish to apply for. When you find the card best for you, click on the "Apply Here" button next to the card and fill out the secure online application.

Q: What information will I need to provide for a credit card application?
A: You will need to provide basic information about yourself such as your driver's license number, Social Security number, date of birth, address and annual household income.

Q: Are online credit card applications secure?
A: All credit card applications linked to from CreditCards.com feature Secure Socket Layer (SSL) Technology and offer the highest level of internet security involving sophisticated data encryption. Your information is safe.

Q. I have additional questions; do you have a customer support department?
A. Yes. If you have additional questions, please visit our customer support area.

Q: Can I apply for more than one credit card?
A: Yes, you can apply for more than one credit card. Many people have multiple credit cards. However, only card issuers can decide whether they want to approve your application for an additional card or not. If you have several credit cards, at some point issuers may decide that your total available credit is already high relative to your income, and may decide not to issue you more credit cards. 

Q: Is a checking account required with the bank I want to apply for a credit card with?
A: No. You do not need a bank account open with a particular bank in order to apply for their credit card.