Applying by mail or online

[Anonymous]

Its a silly question but i thought I'd ask anyway . Does it make any difference ? say you get a pre approval app in the mail ... should you fill it out or just apply online ? 

[red259]

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@Anonymous wrote:

Its a silly question but i thought I'd ask anyway . Does it make any difference ? say you get a pre approval app in the mail ... should you fill it out or just apply online ? 

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I doubt it makes any difference when it comes to chances of being approved. If you app online you get a much faster response and can call in and recon if need be right away. If you mail it in the wait is much longer. 

[elim]

I have seen people responding to a snail mail offer (with X bonus / Y spend) apply online thinking they were getting the mail offer, only to meet the spend and get less (or nothing at all). 

remember, when you click the submit button online you are agreeing to whatever terms are on the ONLINE app. AMEX rings a bell.

[Creditaddict]

do it online so you are not leaving someone else to do the data entry and input something wrong!

[Anonymous]

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@Anonymous wrote:

Its a silly question but i thought I'd ask anyway . Does it make any difference ? say you get a pre approval app in the mail ... should you fill it out or just apply online ? 

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i think you should deliver the application in person, That way you really make sure they get it

[takeshi74]

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@Anonymous wrote:

Its a silly question but i thought I'd ask anyway . Does it make any difference ? 

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No.  The method of application doesn't change your credit.  Only difference is turnaround time.  Use whichever you prefer.