Please do not submit your Social Security number, credit or debit card number, or bank account number to us - though we will never share your name or email with anyone, sensitive information should never be posted to an FAQ form. Questions submitted to may be posted to our website with your first name, and may be edited for length and clarity. Please seek appropriate professional or legal advice when needed. We assume no liability for actions resulting from our advice and cannot guarantee the accuracy of information in all cases. ![]() Here at we will answer all questions to the best of our knowledge and understanding, but we are not legally accredited professionals. I acknowledge that this consent may be removed at my request but that until such consent is revoked, I may receive emails from Credit-Land. Show moreīy providing my email information, I authorize Credit-Land to email me regarding products and services Credit-Land provides. As a rule, you are required to be 18 years of age (19 years in some states), have a stable income that exceeds your expenses, have a bank account, and do not have active bankruptcy (the one that is not discharged). Many instant approval cards are store credit accounts that can only be used at the issuing store or online catalog.Īlso, you should remember that there always are some minimum requirements that you should meet to be able to qualify for any credit card, even if it promises guaranteed approval. Most of the instant response credit cards are supported by Visa or Mastercard network, which means you may have access to coverages and protections like extended warranty, price protection or zero liability. The card will take up to 15 business days to arrive, and very rarely will a bank offer to provide you with approved credit card information instantly. Instant approval is not guaranteed, and it does not necessarily mean that you can go shopping right away after approval. Credit limit increases are available to those who manage their account responsibly. However, it does not mean you won't be able to increase your initial credit limit later. Lower-than-average spending limits these cards offer are another sacrifice you must make for this kind of application approval process. Since the cards are usually offered to people with bad credit, interest rates are higher than average. High interest rates are typical of this type of cards. More than that, you may be required to pay a one-time application processing or account opening fee. Most credit cards of this type will have an annual or a monthly fee which can be rather high. Instant approval cards are offered by a number of banks in the United States. Some banks can take longer than others to deliver your results. ![]() The instant credit card application and decision process depends on your financial history, credit score, and the card issuer's approval policies.
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