Why it is Safe to Apply for Credit Cards Online
There is a lot of confusion regarding privacy implications of
credit card applications online. Let's try to clear up the confusion
and to explain exactly what is and what isn't safe.
APPLYING FOR CREDIT CARD VIA SECURE FORM IS SAFE
It is safe thanks to a combination of 2 factors:
- You will be applying directly with the issuing bank.
Because of this, information from the application form travels
directly to the bank. No one else (including us) will
be collecting it.
Our site (credit card menu) does not host applications
- we simply refer you to the secure application on
the bank's site. Thus, we don't have access to
whatever information you supply.
- Your application form is secure.
This means that your browser will be
encrypting everything it sends to the
bank, so in the unlikely case that
some of this information is intercepted
by a third party, it will be meaningless.
All modern browsers come equipped with
SSL (secure socket layer) capability.
When you apply, note the "padlock" icon
(in IE, it is located on the lower
bar). As long as this icon is "lit up",
your session is encrypted.
We only list credit cards that offer secure
With that said, however, there are certain Internet-related things
that you shouldn't do, for example:
- Sending your credit card number by email is NOT safe.
You should never do it - even when you trust the person
or organization that receives it, because a plain email
(unlike information taken from secure application forms)
travels unencrypted and can be intercepted by an unscrupulous
- Submitting personal information (SSN, credit
card number, etc) via UNENCRYPTED form is NOT safe.
Again, this does not apply to secure forms because
they will provide encryption protection, but if you
enter your information into a "simple" web form on
another site, it can be
simply read as plain text.