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Instant approval credit cards are usually a way to get a card online, a form is available to be filled, and once the details are filled a credit card is approved in less than a minute. Another key factor here is some of the card issuers do not have a credit check done for the card to be approved, however though some do have a credit check option. Such cases where cards credit cards are approved without a credit check it is expected one has an excellent credit score and credit history. For example Account Now a prepaid Master card has to credit check for approval, on the other hand a Blue cash card American Express expects an excellent credit rating.