Applying for a credit card

There are several ways to apply for a credit card, Mozo helps you to weigh up the pros and cons of each:

Applying for a credit card online

Pros

• No queues, no limited opening hours
• You won't forget to bring the necessary document
• Online application forms take around 15 minutes complete

Cons

• You can't ask questions, or check out dishy bank clerks

Applying for a credit card over the phone

Pros

• Still no queues etc
• Still got your docs
• Potentially helpful sales staff to answer your questions / solve your life problems

Cons

• You can typically only apply during bank hours, ie during a lunch break

Applying for a credit card in person

Pros

• Sometimes it's nice to see someone's face before you sign your life away

Cons

• Aforementioned queues, opening hours, forgotten docs, and bank-carpet odours

Checklist of things you'll need to apply for a credit card

• Driver?s License or Proof of Age card
• Employer details
• Current financial commitments (eg rent or loan repayments)
• Details of monthly income (bank statements can help)
• Proof of address (is there anything bank statements can't do?)
• Student card and number (if you happen to be applying for a student card)