To apply for a credit card, you will need a government issued personal identification form (i.e. passport, driver's license, etc.) and a Social Security Number. If you are declined, you will still have the option to apply for a secured credit card in order to rebuild your credit or start a credit history. Please visit https://www.ibc.com/personal/bank-cards/ibc-credit-cards to learn about the various types of credit cards IBC bank offers and to apply for the card that best suits your needs.