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I have very good credit. I want to apply for a credit card online and get instant approval.. do you have any suggestions?
Answered on August 12, 2015 Updated on August 12, 2015
The content is accurate at the time of publication and is subject to change.
As of today we offer instant decision credit cards aimed at bad credit. But you can browse through the credit cards targeting good to excellent credit and choose a card you like best. It can take up to 30 days to process your card application. If you are approved for the card of your choice, it will arrive in the mail in 7 to 10 business days.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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BROWSE MORE QUESTIONS ABOUT Instant Credit Card Offers:
In terms of credit cards banks and credit card companies decide instantly on whether you are approved or not based on your credit information. An instant approval credit card is a credit card with an instant response. You will know whether you are approved or not in a couple of minutes or faster. However, despite the name – instant approval credit cards – the credit card issuer can still decline your application when you do not meet certain criteria. Or you won't get instant approval if a credit card issuer needs some additional information or your application requires manual check.
In general a credit card arrives within ten to fifteen days from the date of approval. So you have no reasons to worry about it as the time hasn’t run out yet. Credit card companies usually inform of the estimated date of card arrival via approval letter, also they should give you a phone number in case you have questions. If you have some doubts you can call the company about your credit card and clear up everything you wish to know.
When you are approved instantly, generally it takes from three to seven business days for your credit card to arrive in the mail. Anyway, you can call your credit card company and ask them your questions.
Have you ever been declared bankrupt or defaulted on a loan?
Have you been late on any credit card or loan in the last year?
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