Apply Credit Card Instant Decision
How to apply for instant decision credit cards
by Julia Cook
The mystique of instant decision credit cards is ancient and mysterious.
Clearly they are useful for several reasons.
First, they speed up the process of avoiding high interest if you're looking for a credit card with a 0% purchases or 0% balance transfer special offer.
Apply Credit Card Instant Decision
Second, they make it less likely that your application will be completed, since there aren't any subsequent forms to complete.
Finally, instant decision cards can help the comparison process: you only have to compare the market once rather than multiple times since, if you're rejected, you can apply for a credit card that is less hard to get accepted for.
How should you make applications for instant decision credit cards in order to make it most likely that you'll be accepted?
Apply Credit Card Instant Decision
There are three basic requirements when you apply for this type of financial product.
The first is that when you make a credit card comparison of the different products you carefully read the section which applies to who can apply for the card.
Each lender has slightly different criteria for those who can apply these often include but are not limited to the length of time you've lived at one address, whether or not you're on the electoral roll, your current and previous credit commitments and how many lines of credit you currently have available to you.
Other factors such as annual salary are sometimes also listed.
You need to make sure that you meet these criteria exactly to apply.
Don't be tempted to apply without one of these criteria met as your application will be rejected.
Even with these met, your application may not be successful which brings us to the second point in this guide to credit cards that have an instant decision application.
Second, you need to make sure that you have a credit history which is appropriate for the product that you're applying for.
If you have a poor credit history, for example, you're unlikely to be able to apply for the sort of borrowing plastic otherwise known as cards of credit or credit cards that have a lot of rewards or very long special offers.
Of course, there are always exceptions to this rule but you need to make sure you know whether you're applying for one before you press that sign up button.
Third, and finally, make sure that you have all your information before you start sign up.
Online applications can time out if you take too long and then you'll have to start all over again, wasting valuable time when you could be doing other things.
When you apply for a credit card and they don’t give you a instant decision does that mean your denied?
I applied for the bank of america credit card and thisThank you for submitting a credit card application.and they said this..
Your business is appreciated and careful consideration is being given to your request, but an instant decision cannot be provided at this time.
You will receive a written response within the next 30 days
So does this usually mean I didnt get approved?
Then they have to do more research on your finances, as most people that apply for their first credit card have no credit they look into your bank statements and such. Most likely they will base a credit card on your average ledger, which is how much is usually in your account.
After that its on your own, my suggestion don’t fill it up too fast.
I applied online for instant credit for Visa Card and was informed that Chase was unable to make a decision at
I applied online for instant credit for Visa Card and was informed that Chase was unable to make a decision at that time. When will I find out if I’ve been approved?
Has anyone ever got a “60 second decision” from an online credit card application?
I realize credit cards are the devil, and I’m trying to pay all of them off. However, I was late by 1 or 2 days since the company didn’t credit my payments until they felt like it. As a result, I am now at the default rate of 30.37% APR. I can’t afford to make a payment of 140 and have 145 go to interest each month. I talked to my banker or try to get some help & he told me to transfer the balance to another card. Discover is not currently offering any balance transfers, unless you apply for a new card. So, I recently filled out 2 online credit card application, one with US Bank & one on Discover.com. Both clearly state that I will receive a decision within 60 seconds, but I am still waiting. I filled out the US Bank application 4 days ago. I filled out the Discover application last night, since I hadn’t heard from US Bank. Discover also has a button to check the status of an application, but apparently it takes 24 hours or more before you can do that. Why do they state they will give you an instant decision, yet they don’t? I want to know if anybody has ever actually gotten an instant decision on a credit card.
yes you need to go look online at credit cards.com and there are alot to pick from, you can apply for as many as you want and get instant approval within 1 minute
Are there any instant approval credit cards?
Where can I apply for a credit card online and get credit decision instanly?
Who offers an instant credit card?
I need a credit card immediately and have applied for three different ones already – one of which was refused as I earn too much and don’t have any debt (!), and the others I haven’t heard anything about, even though they promised instant decision. I can’t wait much longer – does anyone know of a credit card which you can apply for and have in your hands within a couple of days? APR etc don’t matter because I will be paying it off each month.
But how can it be possible that someone with no credit history, no debts and no previous credit card and who has a good salary, can not get a credit card? That’s ridiculous! I am really looking to find out about someone who has applied, and received their card in a short period of time.