Credit cards are a staple of modern life. Can you live without them? Probably, but it won’t be easy. Most people want to have the security of at least one or two credit cards. If you are looking for a credit card with a short processing cycle, then an instant approval credit card is your best option.
What is an instant approval credit card?
Instant approval credit cards are unsecured and secured lines of credit, offered to consumers, who need a credit card. The term “instant approval” does not mean that the card is in any way “easy”. Infact, these cards are usually reserved for people, who have excellent credit. American Express, for example offers a line of instant approval credit cards that are highly rated by experts and offer some of the best interest rates available.
What kind of credit score do I need to get a card?
Most credit merchants offering these lines of credit, target people, who have good to excellent credit. Having a strong credit history makes it easier for the credit card company to approve your application because it is likely that you will pay your bills on time.
If you have a less-than-prefect credit, your best option is try a secured or prepaid credit card. These cards are usually “no turndowns”, which means everyone is approved. In addition, they help you rebuild your credit and work your way to a better credit score.
How can I get a card?
The first step to applying for a credit card, is to do your research. Find out which cards offer no annual fees, 0% interest APR introductory rates, low interest rates after the introductory rates, cash rebates, etc.
Once you find the card that fits your needs, you simply apply online and get an instant approval.
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