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Instant Approval Credit Cards

The internet has inarguably affected how we use credit cards, but it has also affecting how we apply for credit cards.  Before the internet you had to either call a credit card provider or send in a credit card application through the mail then wait for days to know whether or not you were approved. 

Today, waiting is a thing of the past with instant approval credit cards.
               

Instant approval cards, also known as instant decision credit cards, are cards in which you can apply online for.  The process has made applying for a credit card as easy and quick as possible with online applications that are sent directly to customer service personnel. 

They can then determine whether you are approved for that specific credit card and notify you via email.  All this usually takes place within a few minutes, sometimes within 60 seconds.
               

However, only a response is guaranteed within these few minutes, not necessarily word on whether or not you are approved.  Those with good to excellent credit are more than likely to get a response one way or the other, whereas others may need more time for providers to decide if they meet the requirements. 

Still, being able to get the application instantly into the credit card providers system has huge advantages over the old system and will get you an answer usually within a day or two. 
               

To make the decision credit card providers use computer system to review your information with your credit score taking precedence in most cases.  Typically the credit limit is decided on by the provider after approval but to your receiving the card, which takes 5-7 days on average. 

And don’t think quick approval is the only advantage.  Many instant approval credit cards come with all the features, tools and rewards you can find with other credit cards.
Below are just a few of the instant approval credit cards offered today.

GM Flexible Earnings Card

Citi PremierPass Card – Elite Level

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