Ed Vegliante asked:




Do you want more credit at your fingertips? Applying for a credit card is now faster and easier than ever. With instant approval credit cards, you can find out whether you have been approved online in less than a minute. Here’s what you need to know about instant approval credit cards.

The Instant Approval Process

The process to get an instant approval credit card begins with an online application. You’ll need to fill in basic financial information. For instant approval cards, when you submit the application, your credit report is quickly reviewed. Usually, the approval is based on your FICO score. FICO, which stands for Fair Isaac & Company, gives you a credit score between 300 and 850. If you have good or excellent credit, it is very likely that you will be approved.

You will receive a confirmation notice of your approval. The actual credit card will then be sent to you in the mail. You can plan on its arrival one to two weeks after the card has been approved. Once you have followed the steps to activate the card, you are free to begin using it.

Compare the Benefits

While the resounding feature of instant approval credit cards is their quick online response, many include other benefits. Some offer a 0% introductory rate on purchases and balance transfers. Others come with a plan to receive cash back or rewards. If you frequently travel, look for a card that will award you with free air miles. If you have a long daily commute, check into a card with gas rebates. By evaluating your lifestyle, you can find an instant approval credit card that will have lasting benefits.

Understand the Fine Print

In addition to the card’s features, it is important to understand the details of your credit card. If the card comes with a low introductory interest rate, find out what the regular APR is. This will tell you what you can expect to pay on interest after the introductory period is over. Also look to see if the card has an annual fee or additional finance charges. Sometimes there are fees involved with balance transfers, late payments, or reward programs. Be sure to read through the fine print. This way, you will know what to expect after the credit card has been instantly approved online.

Check for Security

In many ways, applying online can be more secure than sending in a credit card application through the mail. Your information is sent directly to the needed source, and you do not have other people’s hands handling your mail. Most credit card companies use the latest, most secure data encryption available. To be safe, check the website before you apply online. Look for indications of security, such as a small lock on the page. If you have any questions, check further into the site before applying.

Life often feels like driving in the fast lane – we need things done quickly. Instant approval credit cards offer you the convenience you need through a process that is easy to follow. And with the Internet, you have plenty of options right before you. You can look at a variety of cards as you search for the one that best fits your needs. Apply today and enjoy the excitement of being instantly approved.

Copyright Ed Vegliante. Free online reprints of this article are allowed provided the resource box remains intact with a live link back to http://www.credit-card-surplus.com.

Donna

dude asked:


lower my FICO the score for the inquiry?

Zachary

N227 asked:


Well I went to my local MCU bank today and opened an account and I also applied for a 2500 personal loan. I just recently started a new job and my FICO score is 623 the other scores are much lower. I have 2 credit cards and they are fairly close to the limit. What are the odds of me getting approved. Are they really harsh or will they give it to me at a high interest rate?

Terri

Diana asked:


I am currently 25 years old with one major credit card that I have held for nearly 10 years. I carry a few store credit cards as well. I pay all of my credit card bills on time, in full, never carrying any outstanding balances on any cards. All car payments paid on time, no student loans left…I recently checked my credit score for mortgage purposes and it was mid 600s. I was also denied a major credit card application based on my current score. What can I do to improve my FICO score??
I am currently 25 years old with one major credit card that I have held for nearly 10 years. I carry a few store credit cards as well. I pay all of my credit card bills on time, in full, never carrying any outstanding balances on any cards. All car payments paid on time, no student loans left…I recently checked my credit score for mortgage purposes and it was mid 600s. I was also denied a major credit card application based on my current score. What can I do to improve my FICO score??

In reply to comments – score pulled by bank for mortgage purposes, showed scores from all 3 major agencies. Read through the credit report fully, no red flags. I can’t figure out what pushed it down unless perhaps I just haven’t built it up enough?
Also, no changes in my credit limit.

Herbert