What are the conditions that I will have to satisfy for getting a credit card?

I want to apply for a credit card. What are the conditions that I will have to satisfy for getting a credit card?

3 Answers

Yes, the criteria do differ from company to company. But all the credit card companies will check your income, debt-to-income ratio, credit history and credit score before giving you a credit card. If you can afford to pay the bills every month and are a responsible borrower, then you may get the card without any difficulty.


I hope the following link may help you in this regard:
http://www.moneysense.gov.sg/publications/quick_tips/Consumer_Portal_Cre...
 


The criteria to get a credit card may vary from one bank to another. If you've been responsible with a checking/savings account, then you can try applying for a credit card at your bank. You will have to speak to your bank representative about opening up your first credit card. If you already have a bank account with a bank, then it will make it easeir for you to get a credit card application approved. However, you should have a good credit score in order to get a credit card.


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