This article tells people how to apply for a credit card online and get one right away.
With instant approval credit cards, it's easy to get a new card. Most of the time, you can find out in less than a minute if you are approved for one of these cards. Even better, it's easy to apply for a credit card online that you can use right away.
How to Choose the Right Card
The first step in getting a credit card with instant approval is to choose which card you want. You can find dozens or even hundreds of instant approval credit cards on the Internet. Make sure you do a lot of research on all of them to find the best one for you. Annual fees, interest rates, and extra fees are all things to watch out for. If you have good credit, make sure to only apply for a credit card with instant approval that doesn't have any fees or a high interest rate. If you have bad credit, compare instant approval credit cards for people with less-than-perfect credit histories to find the one with the lowest interest rate and the fewest fees.
If you have bad credit, you might want to think about getting a secured instant approval credit card. You have to pay money up front for these cards. When you use one of these credit cards, the money you spend is actually money that you put on the card. Before you waste your time applying, make sure the card will report to the credit bureaus. If the card doesn't report, it won't help you build or repair your credit. If you have good credit, you shouldn't even bother with a secured instant approval credit card, unless you're a parent looking to get a card for your high school or college student child.
Putting in the Form
The online forms for instant approval credit cards are the same as the forms you would fill out for a regular credit card. You will have to give the possible lender your name, address, and Social Security number. You will also need to give the potential lender information about your job, such as your employer's name, address, and phone number. You will also be asked how much your household makes each year. Whether or not you want to include child support or spousal support in your income is up to you. In general, your chances of getting a loan and getting a higher credit limit go up as your household income goes up. Don't lie, though, because this information is mostly needed to make sure you don't put yourself at risk of going bankrupt.
If you want a secured credit card with instant approval, you might not have to give as much information. For example, many secured instant approval credit cards don't need to know where you work. As long as you have enough money to put on the card, the lender doesn't care much about your employment. Most of the time, though, you will need a bank account to transfer money from your bank account to a secured instant approval credit card.
No matter what kind of card you want, make sure you fill out the application on a secure site. If the site is secure, there will be a small lock icon in one of the corners of your computer screen, either at the top or the bottom. If a website is secure, hackers won't be able to get into your computer. Any credit card company you can trust will have a secure site. If the site isn't safe, don't do business with the company.
The Crucial Moment
After you fill out the online application form for the instant approval credit card, you will usually know in less than a minute if you are approved. Don't give up, though, if the lending company doesn't approve your card right away. Most of the time, this is because the company needs to look at your credit history more closely. Most of the time, this will only take a couple of days. So, getting approved for a new credit card with an instant approval credit card is still faster than with a traditional credit card, which can take up to eight weeks.
