Is it safe to apply for a credit card online?

NEW-YORK – April 18, 2022 – (


iQuanti: Do you have any reservations about applying for credit cards via the Internet or your smartphone?

Many people still prefer to fill out paper applications or call a credit card representative over the phone. For some, they fear sharing their personal information on a computer or leaking their information to cyber criminals.

However, nothing could be further from the truth. In fact, your information is probably more likely to be misused offline than online, as long as you know how to apply for a credit card online without issue.

Is applying for a credit card online safe?

Generally, yes. Online credit card applications have two major advantages.

The first is that the information you enter goes directly to the credit card company. With paper applications, information can sometimes get lost in the mail, be intercepted by the wrong hands, or misused in other ways.

On the other hand, when you apply online, the data is transmitted directly to the issuer’s database. It will probably go unnoticed by human eyes.

The second is how your data is transmitted. Online credit card applications use SSL encryption technology (which stands for Secure Sockets Layer). As a standard type of encryption, SSL protects sensitive data sent between two systems.

These two factors prevent criminals from intercepting your information. And even if they did, the encryption would prevent them from reading it anyway.

How to Apply for a Credit Card Securely Online

Even if online applications remain secure, it is still possible to make yourself vulnerable to identity theft. Use the following tips to ensure you submit your application safely.

Always use a private connection

No matter how much encryption a website uses, if you don’t have a secure internet connection, hackers can still intercept your information. This is why you should never use public Wi-Fi. Only apply for a credit card when you are at home or on a secure connection.

Never use a public computer

Whether at school, library or hotel, hundreds of people use public computers every day. Sometimes criminals install special spyware on these devices that wait for someone to enter their information. The best strategy is to apply on a personal computer or on your personal mobile device.

Apply directly on the credit card company’s website

There are several useful websites that organize lists of reputable credit cards, and these lists can help you find the best and latest deals. However, sometimes other sites pretend to be legitimate just to send you a fake credit card application and steal your information.

Instead of applying for a card from a separate website, go directly to the website of the card you want to apply for when you’re ready. This way you will know it is legit and your private data will stay safe.

Make sure the website is secure

When you are on the credit card website, make sure the address starts with “https”. The “s” will indicate that the site is encrypted with an SSL certificate. Another clue is that there will be a small image of a padlock at the start of the URL.

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Is it safe to apply for a credit card online?

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