Customers shopping for a new credit card can avoid waiting
long weeks to learn whether or not they have been approved.
Instant approval credit cards provide applicants with a
fast online response. Online credit card websites offer a
variety of instant approval credit cards, allowing
customers to choose the card that best fits their financial
needs.
How "Instant" are Instant Approval Credit Cards
The "Instant" in instant approval credit cards refers to
the minimal waiting period involved. After customers fill
out an application online, a reply is sent to their e-mail
account within minutes. In some cases, the process may only
take seconds.
While the application response time is quick, other steps
in the process are not instantaneous. Customers will first
want to carefully search for the right credit card. Like
most credit cards, instant approval credit cards come in a
variety of forms. Some offer a 0% interest rate for the
first six to twelve months. Others include cash back
bonuses, travel benefits, or rewards programs. Cards with
no annual fees are also available. A list of instant
approval credit card offers can be found on most credit
card websites.
Before applying, it is important to understand the fine
print involved. Customers should read through the credit
card's term and conditions. Many companies include charges
for late fees. Others have interest rates that are subject
to change. By reading through the card's detailed
information, customers will be aware of any included
charges.
The Application Process
When filling out an application, customers will be asked
for basic personal information. This may include levels of
income, housing status and employment details. Certain
credit cards require additional information. When the
application is sent in, the applicant's credit report is
quickly reviewed. Customers with good to excellent credit
have the highest chance of being approved.
Once the application has been approved, the card itself is
sent through the mail system. On average, this takes from
five to seven business days. When the card arrives, the
customer may be asked to call a toll-free number to
authorize use of the card. Once this is done, customers are
free to use the credit card for purchases.
How Secure are Instant Approval Credit Cards
In some ways, filling out an application online is more
secure than sending it in through the mail system. Personal
information is sent directly to the appropriate source.
Credit card companies and websites take extra measures to
ensure security. Most issuers implement the latest data
encryption for security purposes.
Before filling out an online application, customers should
check the site for safety features. A small padlock and
explanation of security terms may be listed. If anything
looks questionable, customers are encouraged to investigate
further before proceeding with the application process.
When to Apply
With the ease of the Internet, applications can be sent in
any time. After careful research, customers can choose the
best instant approval credit card for their needs. Once the
application is sent in, the response will quickly follow.
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To View Instant Approval Credit Cards click the following
link:
http://www.credit-card-surplus.com/instantapproval.php . Ed
Vegliante runs http://www.credit-card-surplus.com , a
directory helping consumers to compare and apply for credit
cards.
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