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If you apply for a credit card the issuers will check your credibility and your credit scores before approving your credit card application.  If your credit score is over 750 then your card application will get approved instantly and you will also receive some of the best offers from most card issuers. And if your score is anywhere in the range of 650 and 700, you will still qualify for some good deals. So, if you don't have a high credit score and are yet looking for a card with affordable rates, then you could opt for a secured credit card. There are many financial institutions and banks that provide instant approval credit cards that include secured as well as unsecured credit cards.

Secured cards can be easily availed by providing some collateral to the financial institution. For those that don't have a good credit score this is an ideal option. The collateral is usually in the form of cash only.  These secured cards are used by those who wish to improve their credit scores in the future. When you have a low credit score, it can be quite an inconvenience for a variety of reasons. Even lenders will refrain from providing you credit if the credit scores are low. You can only repair your credit score if you have credit in the first place. Hence you could provide the necessary collateral to obtain the card and then work on improving your credit scores by making your monthly payments on time.

The unsecured credit cards on the other hand are given based solely on your credit worthiness. If you have a poor credit score you cannot get this card. Here you cannot pay any collateral to obtain the card.

There is word of caution here. Before applying for any credit card ensure that you check your credit history thoroughly. Most credit reports contain errors and credit reporting agencies are far from perfect and there are several complaints with regard to the discrepancies each year. You are entitled to a free copy of your credit report each year. Obtain the free copy by going to the relevant website and if any discrepancies are noticed then bring it to the notice of the credit reporting agencies.

You could do most of the comparisons online. After the initial preparations obtaining instant approval credit cards will not be an issue. Just ensure that you follow the above-mentioned tips carefully.