Credit Card Menu provides various tools for selecting the card that best fits your needs. The five main features are represented iconographically (look at the icons in the left column). These are the different sections of the site. The corresponding main features of the site are the following:
Sometimes credit card issuers promote several credit card products under one brand name. The features are typically very similar or identical, but the terms may differ. The most common scenario is that when the terms of the product are "matched" with the credit score of the applicant - naturally, the higher the score, the more attractive the terms offered.
While this practice has been at times criticised, issuers justify such "customization" of their products by pointing out that offering only the best terms to everybody is not realistic and if they were to ever do that, the vast majority of applicants would have to be rejected.
Instead, they will consider every applicant for the best terms they have and if the applicant qualifies for the best "tier" of the product, they will get approved for the best terms. Othewise, they will consider them for the next "tier" of the product and so on...
Typically, there are between 2 and 4 tiers in such "custom terms" credit card products. When you glance through the table showing brief summaries of credit cards, the products offering customized terms are marked with an asterisk (*) after the corresponding numeric ranges.
Next to each credit card's description, you will see a link that says "APPLY ONLINE". By clicking on this link, you will be taken to the application form on the issuer's web site. All issuers featured on the Credit Card Menu provide secure online applications, so your personal information is transmitted to the bank safely.
While many products now have the 'instant decision' feature, which allows you to find out if you were accepted within seconds, some still require 2 weeks or more to review your application.
Important: Since the application itself is taken on the issuer's site, we have no information on the status of your application. You can always contact the issuer directly.