How you could safely apply for a credit card online

Online applications can make it quick and easy to apply for a new credit card. But scammers and fraudsters are always looking for new ways to access your personal information online. So it’s natural to have some concerns about completing an application online.

Credit card issuers have security measures in place to help keep applications secure. But there are a few simple things you can do to help keep your personal information safe too.

What you’ll learn:

• It’s usually safer to apply for a credit card online if you’re on a credit card issuer’s official website and using a secure internet connection.

• Some credit card issuers have stringent security measures designed to help protect applicants’ personal information.

• You can help keep your financial details secure by using your personal device to access your data and avoiding public Wi-Fi networks.

Generally speaking, it can be safe to apply for a credit card online. Credit card issuers often use security features on their websites and mobile apps to protect your personal information. The specific measures used can vary by issuer but may include:

• Encryption: Trustworthy sites will use Secure Sockets Layer encryption, indicated by a padlock icon and “https” at the beginning of the URL. This encryption, called SSL for short, helps keep your personal information safe when you enter it on a website.

• Multifactor authentication: A website may use more than one form of authentication to verify your identity. For instance, in addition to using a password, you may need to enter a security code sent to you via text message.

• Firewalls: Credit card issuers use firewalls to help protect against unauthorized access and cyberattacks.

• Antivirus programs: These programs help block malicious programs, known as malware, and other harmful software and viruses from transferring to your device.

• Cookies: Cookies can help authenticate your device whenever you visit a site and keep you from having to reenter personal information.

• Automatic sign-out: If your session remains inactive for a certain amount of time, the site or app may automatically sign you out for your protection.

On top of the protections afforded by a bank’s website or mobile app, there are also steps you can take on your end for additional security and peace of mind.

Here are a few safety tips to keep in mind if you’re applying for a credit card online:

One way to help protect your data is to use your own computer or phone. This could help ensure you’re not using a friend’s device or a public computer that has spyware that could record the personal information you’re sharing.

If you can’t use your own computer or mobile device, consider applying for a credit card in person or by mail or phone instead.

You can boost your devices’ safety by making the recommended updates on their operating systems and apps. New updates may include security patches that help protect you from the latest threats. These can be important even when you’re not applying for a credit card. 

Some devices also have an option to automatically download and install updates. These can help you detect and stop potential malware that can infect your devices and steal your information.

When you submit your credit card application, you’ll be sending your personal information over the internet. So it’s important to use a secure connection. 

If you’re using public Wi-Fi, someone else might be able to see your personal information. Even a public Wi-Fi network that requires a password, like at an airport or a coffee shop, could put your information at risk.

A virtual private network (VPN) creates a secure connection between your computer and the internet. If you’re not at home, a service that provides VPNs can help keep your information private. And if you’re at home, the Federal Trade Commission has some tips on how to secure your network to help keep your internet activity protected.

Credit card issuers use strong encryption to keep your information safe. But you could run into trouble if you unknowingly apply on a spoof site. 

Here’s how that might work: A scammer could create a website that looks like a bank website and use it to collect your personal information. 

Some banks, like Capital One, have programs designed to detect scams when possible. And there are precautions you can take to make sure you’re on the correct website. That way, you can be more confident your application is going to the right place.

When you apply for a credit card online with Capital One, you’ll provide personal information including your full name, date of birth, Social Security number, physical address and estimated gross annual income. 

To protect this information from unauthorized access and use, Capital One has an information security program that includes administrative, technical and physical measures. You can read more about Capital One’s commitment to security and how Capital One helps keep your identity safe.

When applying for a credit card online, it’s a good idea to use your own device on a secure network before submitting any personal information. And it’s important to make sure you’re using the credit card issuer’s real website.

When you’re ready to get started, you can compare Capital One cards. You can see your options and consider the card that could be right for you.

New to credit or looking for your next credit card?

• Check for pre-approval offers with no risk to your credit score.

• Earn unlimited 1.5% cash back on every purchase, every day with Quicksilver.

• Explore Capital One’s credit cards for building credit with responsible use.