Consumers beware of http://applycreditcard-online.com I used the services of applycreditcard-online.com to apply for several student credit card offers. I talked to a rep at the credit card company and they said you don't need a service like this to find credit cards. Just go straight to the credit card companies website. These guys just make money off of referring you to the credit card companies. I found this site after reading serveral articles by the site owner Daniel Taylor on credit cards. Next time i'll just apply straight to the credit company so people like this guy don't get rich off me.