Customer Support Department

Credit quality and reporting

Choosing a credit card can be complicated, and trying to figure out everything from credit scores to bureaus to privacy can feel overwhelming. Don’t worry—we’re here to help.

Credit score:

Banks and credit card companies use your credit score to decide whether or not they want to approve you for a credit card. Credit scores range between 300 and 850, but an average score is around 700.
Our experts are here to help you with information and tips about how to build and maintain your credit score.

Credit reporting bureaus:

If you think there’s an incorrect item on your credit report, reach out to your issuer to discuss the discrepancy. If you have a question about your credit score or report, want to order a copy of your credit report, or suspect fraud or identity theft, contact one of the three major credit bureaus:

CompanyMailing AddressPhone Number
EquifaxP.O. Box 740241, Atlanta, GA 30374-0241(800) 685-1111
ExperianP.O. Box 2002, Allen, TX 75013(888) EXPERIAN (397-3742)
TransUnionP.O. Box 1000, Chester, PA 19022 (800) 916-8800

Terms and conditions:

Just because a credit card looks good, doesn’t mean it’s right for you. If you want to learn more about a card you see on our site, click the “Apply now” button. You won’t have to apply for the card, but you’ll be taken to the issuer’s site so you can find information about the card’s terms and conditions, plus other details.


Our CardMatch tool can help you find the cards you’re more likely to be approved for. Unlike traditional credit card applications that use a “hard pull” to decide whether they will give you a credit card, CardMatch only uses a “soft pull” so it won’t hurt your credit score.
We currently partner with American Express, Chase and CreditOne Bank on CardMatch.

To see what cards you are prequalified for visit the CardMatch page.

Contacting Issuers

We’re here to help you understand your personal finances to pick the best credit card for you. Once you have applied for a new credit card, further questions about your individual account should be directed to your issuer.

Existing credit:

If you have questions about payments, disputes, billing, interest rates, lost cards, suspected fraud, or any other topic related to an existing credit card account, contact your credit card issuer. You can also reach your issuer’s customer service department by calling the number listed on the reverse side of your credit card.

Application status:

Credit card issuers approve or deny credit card applications at their own discretion and response times can vary based on your individual credit history. Banks are required to provide written notification of both approvals and denials.

Once you’re approved, it may take a few weeks to get your card delivered. Contact your card issuer for more information.

Before applying, here’s what we will need from you:

Information for application:

When you apply for a credit card, the card issuer will need to know a little more about you. You will be asked to provide some basic personal information, such as your Social Security number, driver’s license number, date of birth and home address.

Credit card issuers need this information to determine what line of credit you qualify for. To apply for a credit card you must be at least 18 years old. If you’re applying for prepaid credit cards you might not be required to provide as much information as with a traditional credit card.

Online application privacy and security

When it comes to providing your private information online, we understand that security is a top concern. only partners with credit card issuers who use secure encryption software. For more information see our Site Security Policy.

After you find the perfect credit card, you’ll be directed to the issuer to start the application process. We don’t gather information to personally identify applicants, and we will never sell your personal information.

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