Credit cards are simple to use, but choosing and applying for the right one can be a confusing and complicated process. Please find below the answers to some of the most frequently asked questions about the Help Me Choose credit card process.

No, Help Me Choose is a free and independent site and there are absolutely no fees or charges.

Yes. Our information is updated with the latest information about different credit cards and their key features. We receive our data direct from the credit card issuer to ensure that we always have the most recent information. We analyse the information you provided to us about what is important to you and we then run it through our complex mathematical formulas to calculate your results.

We use complex mathematical formula’s to analyse the information you have provided us to match your needs against the key features of the credit cards. Each card in our database is given a ranking as to its match with your needs and the 3 cards with the highest ranking are displayed as the best fit results.

Help Me Choose prides itself on being an independent and free site to help you become better informed about making important decisions. In order to keep this service free, we accept small one-off payments from the credit card issuer when a customer applies for a credit card from our site.

Help Me Choose prides itself on being an independent and free site to help you become better informed about making important decisions. We use unbiased mathematical formulas to calculate our best fit recommendations and our commercial relationships have no bearing on the ranking of suppliers in your results.

Once you’ve chosen the card that best fit your needs, choose the card that you want to apply for and click on the "Apply Now" button. Simply, fill out the secure online application form at the credit card issuers website.

We redirect you to your chosen provider’s website to complete the credit card application process. You will be required to provide a variety of information, such as details of your employment, income and finances.

Although it does vary from card provider to card provider, you will need to provide basic information about yourself such as your name, address, date of birth, driver's license number, annual household income and expenses.

The waiting time can vary. Some credit cards offer instant approval while others may require several weeks. Once a decision is made you will be notified by mail, e-mail or both.

All credit card applications linked to from HelpMeChoose feature Secure Socket Layer (SSL) Technology and offer the highest level of internet security involving sophisticated data encryption. However, you should check the credit card issuer’s website for more specific information on their security procedures.

Yes, you can apply for more than one credit card. Many people have multiple credit cards. However, only card issuers can decide whether they want to approve your application for an additional card or not. If you have several credit cards, at some point issuers may decide that your total available credit is already high relative to your income, and may decide not to issue you more credit cards.