INSTANT ANSWER Credit Card Applications

from MasterCard, Visa and American Express

Instant Approval Credit Cards

The main advantage of instant approval when applying for a credit card is that you have an opportunity to know in several minutes whether you are approved or not. It has become executable since the banks established contact with credit bureaus, so that they can send a request on the applicant's credit profile and receive a response in the quickest time possible.

In most cases it is necessary to have good or excellent credit history for an instant approval application. In this case the bank doesn't have to make a profound study of your file in the credit bureau, and you get an instant decision on your request.

Instant approval cards for bad credit are not so many, but they are available for consumers with limited credit. For issuing these cards, it is enough for the credit card company to make a quick inquiry on your report. It is convenient for both the customer and the bank. The applicant doesn't have to wait weeks for a response, so such instant approval credit offers attract new customers to the bank issuer.

There is an important fact one should know about instant approvals. After you submit credit card application, you can receive an approval in some minutes. But it doesn't mean that you can hold the card in your hands in such a short time. The plastic itself will be delivered to you in several days. In some cases you can ask the bank to give your card number before sending the card, by phone or by e-mail, so that you can start purchasing online or by phone the same day. But it's not a usual practice, though.

At our site you can find instant approval cards for both bad/no and good credit score, compare the details and make a safe online application. Get instant approval now with Credit-Land.com!

When the service of instant approval appeared, it was available for consumers with good credit rating only. So if your credit rating is good, you can choose among the number of instant approval cards offered by the leading banks. When estimating the cards, pay attention to the following. First of all, make sure you are eligible for this type of cards, for this, check you credit report at the credit bureau. If your score is good enough, you can start comparing the cards. Look at the APR, the array of rewards (most credit cards for good credit provide rewards - points, cash back, gifts etc), the amount of fees. Instant approval is just an additional advantage and the card's interest rates and fees are not higher than usual. After you make your choice, you can fill out the application form and wait for the reply from the bank which can take just a few minutes. At our site you can conveniently compare instant approval cards and make a secure online application.

Since instant approval credit cards attract vivid interest of the customers, a number of credit card companies now offer instant approval for consumers with limited credit history. If your credit report corresponds to bad/no credit history, it doesn't mean that instant approval is an advantage unavailable for you. There are cards that don't keep you waiting and worrying about the approval for days. Instant approval cards for bad and no credit are convenient if you need to be informed of the bank's decision quickly. So if you faced an urgent need of money and have a low rating, you are free to apply for instant approval credit card to learn you'll be given money the same day you post your application. Welcome to bad/no credit card applications section of our site to find an instant approval for yourself.

Consumers Switching to Prepaid Credit Cards [12:00:00 AM Tuesday, December 15, 2009] People can see it on YouTube, Twitter, and just about anywhere in the Internet - consumers are no longer happy with their banks. Major card issuers have been cutting debt limits without warning, raising interest rates, and even writing off clients for seemingly small reasons. Now, consumers are finding a way out of traditional bank accounts and credit cards in favor of a more versatile plastic: prepaid cards.

Speeding up the Card Act [12:00:00 AM Monday, December 14, 2009] Members of United States Congress are pushing a bill that would make the Credit Card Accountability Responsibility and Disclosure (CARD) Act take full effect at a much earlier date. The proposed legislation is fast becoming into a reality as it gets approval from several lawmakers in Capitol Hill this week.

The Ups and Downs of Credit Card Use [12:00:00 AM Sunday, December 13, 2009] Under the agreement between consumers and credit card companies, account holders are required to make a minimum monthly payment, which is 2%, or $10 at 10 percent interest. If these low and middle class consumers owe approximately $9,827 on their cards, it will take them more than twenty-six years to pay off their balance, including about $6,812 in interest payments.