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Instant Credit Card Approval – Overview & Tips For Qualifying

March 10, 2012

Instant Credit Card Approval

The internet has really revolutionized the financial world, enabling one to have things fast, with anywhere from instant loans like easy loans to instant credit card approval, satisfying our need of having it “right now!”. These instant credit card approval opportunities can come to you in both the mail, by phone as well as by browsing various credit card providers websites, all of which can qualify you for a credit card literally within minutes.

instant credit card approval

Either method will lead you to the website which will present you the first portion of the process of getting your instant credit card approval, which instant is sort of a relative term as the process isn’t completed instantly, but very fast. But before you start the process of instant credit card approval, you should know that there are sites out there that allow you to compare side by side different instant credit card approval providers and their terms, allowing you to go with the provider that will offer you the best experience.

Once you have found the best option, all you have to do is begin the process which will consist of filling out simple personal aspects like your name, address, social security number, phone number as well as your place of employment. These applications are usually looking for a more permanent address from their applicants, like living in the same place 6 months or longer, but if you haven’t lived at your current location that long, then they may ask you to provide your previous address.

If you are weary about including your social security number during the instant credit card approval process, there is no need to worry as the process is secured and the only reason they need this is to check your credit score, which your credit score dictates your eligiblity.

Pros & Cons of Instant Credit Card Approval

You are now familiar with the benefits of instant credit card approval, that it can bring you:

  • Pretty much an instant line of credit
  • Credit card approval within minutes or less
  •  You can start using this card within a couple weeks, usually much less.
  • The other major benefit includes being able to enjoy these benfits as well great interest rates and terms if you happen to have a positive credit score, which even if you have a moderate credit score there are good chances elibility .

ow some of the negative aspects or instant credit card approval include:

  • Your credit score dictates eligibility, so if you have a negative credit score then you will either get rejected and have to work your way around to other companies until you are accepted, or you get accepted but due to your low FICO credit score then you will get bad terms and interest rates.
  • Getting rejected can affect your credit score, especially if you apply for another instant credit card approval offer shortly thereafter, as again these credit inquiries add up and look negative to a credit bureau.

Tips For Getting Instant Credit Card Approval Qualification

Due to the fact that your credit score dictates the outcome of your applicatoin for instant credit card approval, the best thing to do is to check your credit score before you apply, which will allow you to get a feel for what it is as well as present the opportunity to spot any errors on it. These errores can then be corrected and boost your credit score, which in turn will give you a better credit score which will provide you with a better chance of getting instant credit card approval as well as provide you with better interest rates if you are eligible. The law provides you the opportunity to attain one free credit score a year, so you can utilize the free check to try and boost your credit score through correcting errors.

What To Do If You Are Not Approved

Before you complete the process, be sure to read the terms and conditions in their entirety then click “submit”. If your credit score is good, then good chances are that you will be approved which you will know within seconds to at most minutes, and be able to get your credit card in the mail within days or a couple weeks. But if you happen to not be approved, there are two things you should do,

  1. The first being you will want to contact the credit card provider and ask them why you were not approved, as they can provide you with information that can help you next time you apply, or even offer you with valuable information that can equate to you actually getting instant credit card approval afterall.
  2. Next you can try to apply for other instant credit card approval offers, but not immediately, you will want to wait a few weeks or even monts because everytime you fill out an instant credit card approval offer, you are allowing the credit card provider to check what your FICO credit score is for eligibility purposes, which are referred to as “credit inquiries”. These credit inquiries can lower your credit score if there are to many of them at one time, so it is best to space out your application process for instant credit card approval offers. So considering this fact, try not to apply for multiple instant credit card approval applications at one time, just focus on one and wait for the outcome and go from there.
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