CreditStep.com allows consumers and business owners to compare and apply for credit cards online. Started in 2000, CreditStep now has over 100 credit cards to choose from in a number of popular categories.

You need to visit your credit card company's website to pay your bill online. CreditStep does not handle account related issues such as bill payment. Call the phone number on the back of your card for customer service, or view customer service information here.

Contact your credit card company for questions about your account. You can find their phone number on the back of your card or account statement. CreditStep is unable to answer account related questions.

Contact your credit card company to replace your card. Check an old statement or visit your credit card company's website for contact information.

Credit card companies determine your 'creditworthyness' by looking at your credit history. If your report has delinquencies and late payments you may be deemed too risky to be approved. Credit card companies are required to notify you of their decision and reasons for denial, so be sure to read your denial letter carefully. Getting a copy of your credit report can help identify problems.

Some credit cards offer instant online approvals while others may take up to 30 days to process. Approval decisions are based on your credit history and other factors.

Yes! Applying online is the fastest and safest way to apply for a credit card. When you apply online all your personal information is sent directly to the processing department, eliminating lost mail and human error. CreditStep only links to applications that are encrypted to ensure your personal information remains safe.

The current Prime interest rate is 5.00% (updated 5/28/2008)

Banks lend money to their most creditworthy customers at the Prime Rate. The rate is set by the largest 25 U.S. chartered commercial banks, and posted in the Wall Street Journal. The Prime Rate can be used to determine variable APR credit cards. For example, Prime + 6.99% would equal an APR of 11.99% at today's prime rate of 5.00%. Most credit cards are variable rate.