Frequently Asked Questions

Here are the answers to some of the most frequently asked questions about the process of applying credit cards online and the different types of credit cards.


What are Rewards and Incentives?

Credit card issuers and companies offer programs where you can earn different type of rewards when the credit card is used, to provide further incentives to the credit card consumers. These rewards can be in the form of cash back, air line miles, free hotel accomodations or a point-based system where you accumulate points based on your purchasing habits. Check in advance to see how you can redeem your earned points and what are the rules to accumulate them. Airline/Hotel reward cards may restrict the purchasing of air tickets during blackout dates. On the other hand, some credit cards may offer you bonus points for making the first purchase with you new credit card. With Cash Back cards, you maybe offered higher rates for selected purchases, such as gas, pharmacy items and groceries. Some retail reward cards benefits include extra cash back when you shop at your favorite stores. So with all these choices, choose the credit card that best suits your needs.

What credit score do you need to have to get a credit card?

The lowest score you can have and get a decent interest rate would probably be in the 660-620 range. There are companies willing to issue a card or loan to almost anyone. The person would, however, pay a premium price in interest and fees.

How do you find credit card company addresses?

There is a toll free number for customer service on the front of the a billing statement. And usually on the back of the credit card. Most billing statements having mailing addresses on the back.

What is meant by a credit limit?

Credit limit is the largest amount of money a consumer can charge on a credit card. The amount equals the amount of credit extended to a consumer. Charges over this amount are usually allowed, but expect to pay an "over-the-limit" fee.

Can you use a credit card as a debit card?

No. A debit card deducts money directly from the card holder's checking account.

I would like to apply for a credit card. What is the basic information that I will need to start my application process?

You will need to provide information about yourself such as your driver's license number, Social Security number, date of birth, address and annual household income. Be sure to fill out all of the required fields truthfully and accurately. Missing or unverifiable information can delay your application for weeks, and in some scenarios, result in your application being denied.

How easy is it to fill out a credit card application?

Online applications are faster and easier. Most credit card applications are just a simple form you fill out. Compared to the days or weeks it takes for credit card issuers to sift through mailed paper applications, online applications cut down processing time, allowing you to receive and begin using your credit card sooner. Be sure to review the terms and conditions of each credit card offer to ensure that it fits your exact needs.

If I am not a U.S. citizen, can I still apply?

nuuvoo.com only offers U.S. citizens credit card offers, but if you are not a citizen of the U.S. then simply contact the issuing bank at the number found in the terms and conditions document associated with your credit card offer.

Can I apply for more than one card at a time?

Yes. It is quite common for a person to apply for two or three credit cards at once. Just remember that the issuing banks do review your credit information each time you submit an application (this includes how many applications you've submitted in the past) and at some point they may decide that you have the maximum amount of credit extended to you relative to your income.

How safe is it to apply for a credit card online?

nuuvoo.com utilizes the latest 128-bit Secure Socket Layer (SSL) technology to encrypt the information sent from your computer. This means the data transmitted is safe from third parties. Your personal information is protected.

How can I contact you about the website itself or the application process?

Do not hesitate to contact us by email at info@nuuvoo.com and we'll get back to you within 24 hours.

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