Are you searching for a credit card without needing to go to the bank? While at one time banks were your only option to get the credit you needed, these days there’s a lot of different ways to get a credit card. So, if you’re worried about getting accepted by your bank, or you’re simply looking for alternative options, here you’ll discover some of the best ways you can get a credit card without going to the bank.
Compare the different cards available
These days, there are a lot of different types of credit cards on offer. You can choose from balance transfer cards, interest-free cards, bad credit cards, and cash back credit cards. Each has its own benefits and drawbacks, so it’s important to compare the different cards on offer to determine which is right for you.
Balance transfer cards are great if you already have a debt on an existing card. By moving the debt over to your new balance transfer card, you could save a small fortune on interest rates. Interest-free cards are ideal for those looking to make purchases with the credit card. You’ll benefit from an interest-free period, ensuring you only pay for what you buy.
Bad credit cards are designed for those with a poor credit score. These do tend to come with higher interest rates. Then there’s the cashback credit card, allowing you to gain cashback on certain purchases you make.
Go through a comparison website
Once you know which type of card you’re looking for, a comparison website can help you to find the best card to suit you. You’ll need to type in some details about your personal circumstances, then you’ll be presented with the top credit cards which meet your requirements.
However, the trouble with this method is that not all comparison websites can be trusted to find you the best deals. This is because some of them display results depending upon commission. For example, a creditor could pay the comparison website to display their card first, regardless of whether or not it’s the best deal for the consumer.
Apply online with a direct lender
A safer alternative is to apply online with a direct lender. You’ll usually find direct lenders have free eligibility checkers too. So, you can see whether you’re likely to be accepted before making the application. This ensures it won’t negatively impact your credit score. Applications typically take just a couple of minutes too.
Of course, before taking out a credit card, it’s worth seeing if you’d be better off with an alternative. A current account from a lender such as Think Money also offers access to credit. So, these types of accounts are also worth considering.
As you can see, there are numerous ways you can get a credit card without actually going into the bank. Applying for a credit card or bank account with a credit facility online is quick, easy and convenient.