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Credit Cards have become vital parts of today's busy lives. They are needed for almost every transaction so a person can have access to certain products and services. More importantly, credit cards are essential parts of one's life- both for personal as well as business purposes. This is the reason why from the very first step of getting a credit card - the credit card application- careful thought as well as adequate effort must be given to ensure that one's chances of getting approved will be extremely high. For this is the first step in getting the quality of life one dreams of.