If you read the terms&conditions of any credit card, including a Apply now
balance transfer credit card, you will see that you can never start using a credit card the same day you applied for it. You fill out an application and send it to the bank, so the bank evaluates it and sends you a reply (approval or disapproval), which can happen within several days since the day of application. You should also receive the credit card itself, which can happen in several days up to a month. Only after you receive your credit card and activate it, you will be able to use it, which can never be done the day you apply for it.
Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
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.