How To Apply For A Gas Credit Card
Before You Apply For a Gas Credit Card
Before you submit an application for a gas credit card there are some things that you should know. The first is that it is much easier to qualify for a gas company credit card than those that are provided through major credit card providers.
This fact is especially important for those people who have less than excellent credit or those who might not have any credit established at all. Therefore getting a gas credit card would be a good way to establish your credit but only if the company reports regularly to the major credit bureaus.
The other thing you should know is that like other reward cards gas credit cards will come with high interest rates. It means that if you plan to carry over a balance from month to month the savings that you receive on your gas purchases will be negated by the fees that you pay in interest. Therefore if you do not plan to pay off your balance you should consider getting another type of card.
Applying For Your Gas Credit Card
Research: Start by checking out the major gas stations in your neighborhood. Which ones offer the lower prices in general? Are you loyal to a specific chain of gas stations? Smaller stations rarely offer gas credit cards so you will have to look at the larger brands. Find out if there are any membership fees and what special benefits they offer before you make a decision.
Terms and Conditions: Once you have the provider in mind you must read the terms and conditions carefully before you apply. Read it twice if necessary. Look for details like the interest rates, annual fees, late charges, other fees, introductory offers and what the rates would be once they expire and rebate policy.
Paper Application: You can obtain and fill out a paper application right at the gas station that you have chosen. You can mail in the application once completed. In some cases it might be possible to have the application submitted and processed right at the service station. The cashier will immediately notify you of your approval and the card would be sent shortly after in the mail.
Online Application: If you choose to forego the paper application you can submit the application online. Make sure that you are submitting your details on a secure webpage so that your information is kept private and secure. Again some companies will let you know instantly if your application has been approved otherwise you will be notified of their decision via email or through the mail.
Gas credit cards are convenient, offer significant savings on fuel purchases and are easy to qualify for. Once you receive your card be responsible so that it would be a blessing rather than your biggest mistake.
We recommend you check out the best gas rebate credit card on the market.
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