There are many times that I have had to obtain a credit card copy from somewhere, either for my own records or for someone else's records. It can be quite a chore to go through every line on the application like I've done with many other people and had to wade through all the fine print. Some credit companies won't even allow you to do this unless you are an authorized representative. Others require it because they have something on the application in the fine print that they want you to look at. It is for this reason that I always ask for a credit card copy when applying for any kind of credit.
The credit card copy is one of the most important things I get from any bank or credit union. This is why I've been writing a lot of articles on how to quickly and easily get your hands on a credit card application. In this article I'm going to talk about the reasons why you should never have to obtain a credit card copy front and back unless absolutely required, as well as how to obtain one for free if you so choose.
First of all, if you're applying for a credit card that requires a copy of the application and all the other information, don't waste your time by going through it front and back. Most of the time (no matter what the company or bank wants) you are only asked to complete one page of the application (and sometimes that one page is just a condensed version of what you gave to them). So don't waste your time by submitting a credit card application that only requires one page to complete. I've received credit card applications from banks and companies that wanted me to send them a three page application and I've always sent them an easy to read three page letter. They sent me one page anyway because I was there to apply for a new credit card and send back a copy of the application along with all the other requested information.
Now, even if you do need to have a credit card copy of the application, don't simply head to your favorite credit card provider's website and submit the form. Instead, use a credit repair service. There are many of these services out there and not all of them are created equal. Some are actually just scammers looking to use your credit card information to make themselves money. These types of services will charge you a small processing fee for sending a credit card copy back to the credit company. Be careful of these “revolving firms” and make sure that you're working with one that has been in business for several years and has several hundred thousand customers.
Here's the reason why you shouldn't ever have to obtain a credit card copy front and back in the first place. The credit companies' main purpose for issuing credit cards is to provide consumers with a way to keep track of their spending. By law, they are required to give you a copy of the application and all of the supporting documents upon receipt of your application. If you request a credit card copy from the company, you are requesting permission to obtain all of that information. Don't ever allow a credit company to keep you from getting the information that you need.
Once you receive your credit card copy, review it to ensure that everything the company wants you to see is on there. Look for any discrepancies or other red flags. If anything should be wrong, contact the credit company immediately. If they do not respond, contact a lawyer or the Better Business Bureau for additional information on whether or not the credit card copy was properly issued and delivered.