Direct Credit Card Expert

Frequently Asked Qestions

Where do I begin?
Here at Direct Credit Card Expert we strive for excellent service and efficiency. Our goal is to make the online credit card selection process a breeze. With the click of a button you can be on your way to receiving that new credit card you have always wanted. Whether it be a credit card that provides; air mileage points, cash back rewards, low interest rates, or student rewards, we have the perfect card to suit your needs. Our website is set up to easily navigate and search specifically for a credit card based on certain requirements you have specified. We even offer a way to compare the credit cards side-by-side to make this important decision. Its as easy as 1,2,3. Visit Direct Credit Card Expert, click, compare, and complete! Volia!

What is the application process like?
After deciding on that perfect card, all you need to do is simply click the “Apply” button on Direct Credit Card Expert and this will direct you to the appropriate bank website for which you have specified. Read over the terms and conditions before completing the application. Once you click “Apply” then you are done. Just wait for your speedy approval. It is that easy, believe it!

How long does it take to get approved?
If time is of the essence, consider visiting the instant approval credit cards page. This page offers instant approval for those who would like a quicker option. Otherwise, all approvals can take anywhere between minutes to weeks depending on the bank card you have chosen. The bank will review your application and send you a letter regarding your brand new credit card!

Is my credit score relevant in the approval process?
The answer is Yes. Unless you have applied for a prepaid credit card, your credit score will determine what kind of what credit card spending limit is. An unsecured credit card such as this does require that your credit score be looked over.

What if I don’t know what my credit score is?
The process of getting your credit score is also very simple. You have two options, pay for one of the three main credit bureaus (Experian, Equifax or TransUnion) services to track your credit score or get one for free! Visit for a free copy of your credit score. This site is dedicated to finding what your credit score is for free.

What if I am not a U.S. Citizen?
Currently, Direct Credit Card Expert is only able to offer credit cards to U.S. Citizens that live in the United States. This also includes those who live in Canada. Not all credit cards offer this option to those who reside in Canada, so check the terms and conditions before applying for a credit card.

What personal information will you need?
Most credit card applications only require the basics: full name, birth date, current address, social security number, etc. Not to worry though, our system offers you a completely private and secure 128-bit SSL (Secure Socket Layer) connection while transferring and encrypting your information. The information given over this website is strictly confidential.

How many credit cards can I apply for at once?
You can apply for as many credit cards as you like. (Note: depending on how many credit cards you apply for over a period of time, this could possibly affect your credit limit and/or credit score).

If I have any questions regarding my account information or payments who would I contact?
Here at Direct Credit Card Expert we simply connect you to bank credit card offers, but we do not have any authority or information regarding your personal accounts and any other information that might be needed. For all questions, call the 1-800 number on the back of your credit card. They will be able to assist you efficiently.

What if my card is lost or stolen?
Be sure to first contact the provider of your credit card to put a hold or cancel your credit card. All providers have 1-800 numbers located on the back of your cards or by access through the internet.

What if I still have questions that were not addressed here or I have further questions regarding Direct Credit Card Expert or online application process?
Direct Credit Card Expert cares about customer service and we are happy to address any other questions regarding our services at We guarantee to get back to you in 24 hours or less!