Q: I do not feel safe submitting my private information online and would like to use a printable application. Please advise.
A: I completely understand why you would be hesitant about submitting your private information online. After all, there are all kinds of scammers out there and these days it seems like nothing is safe. However as ironic as it may sound, a printable credit card application is not necessarily the safest way to go. Here’s why:
This is something that happens more often than you might think. Even if you go to the post office yourself to mail out your printed card application, there are a number of opportunities between your location and the final destination where your mail could be lost, tampered with, or stolen. There have been quite a few stories in the news lately about postal workers stealing mail, so that is something to consider. To me, it seems like any letter addressed to a credit card company or a bank would be a prime target for a thief.
The problem with anything handwritten is that it needs to be processed by a human. Not only will that person see your private information (such as your Social Security number) but due to human error, they may make a typo or read a letter or number you wrote incorrectly.
Online application vs. printable application?
Here are some benefits that printable credit card applications will NOT give you:
128-bit SSL Technology Encryption
This 128-bit encryption Secure Socket Layer (SSL) used for today’s online credit card applications is also used by the U.S. Government to protect classified secret level information.
How safe is it? Well a unique “handshake” is made by your computer and the credit card company’s computer. When you submit your application online it is encrypted at 2 multiplied by 2, 128 times over (that’s 339,000,000,000,000,000,000,000,000,000,000,000). As you can guess, 128-bit SSL encryption is virtually impossible to hack. It would take significantly longer than the age of the universe to crack a 128-bit key; 2,000,000,000,000,000,000 years.
No Human Error
Unlike a printable credit card application which must be transcribed by a third-party, when you submit your encrypted online application you can personally ensure every letter, number, and word is completely correct. There will be no misinterpretation of what you wrote.
When you submit your application online, you do not have to worry about it being susceptible to tampering, theft, or loss while in transit, like a printable application would be.
Why are printable credit card applications not available online?
Nowadays you may have difficulty finding printable applications on bank websites. Many credit card companies have stopped offering them online due to the reasons mentioned above.
Where to find online applications with 128 bit encryption?
All of the applications linked to on this website utilize 128 bit SSL encryption. To browse the available applications please visit our reviews for credit card offers