(1)When you apply for a credit card, you usually don't need to say anything. Usually, you just fill out a form and send it in. But in case you need to speak with someone , you can ask the following questions:

'What is the interest rate of the credit card?'

'What will my limit be?'

' How soon will I know if I am approved?'

'Can I have an extra card for my spouse

(2)

Here are some sentences you can use when you already have a credit card and you want to check your balance. You will need to call the 800 number on the card and when you have a representative on the phone, you can ask:

' I would like to check my balance.'

'What is my current balance?'

'Can you check my balance for me?'

'What is the minimum amount I owe for this month?'

(3)

After having a credit card for a while, they will usually give you a credit increase. For example, if you have a credit line of $2000, and this isn't enough, you can ask for an increase if you haven't been late with a payment for 6 months. Here are some sentences you can use:

' I would like a credit increase.'

'Can I get a credit increase?'

'$2000 is not enough. Can I get this increased?'

They might ask, 'How much did you have in mind?'

You can answer by saying, 'I would like to increase my limit to $5000 please.'

If you have a second credit card with a higher limit, you can include that as justification.

'I h

have a different credit card with a $5000 limit. Can you increase my account to $5000 because I would like to use this card as my primary credit card?'