Instant credit card
Until a few years ago, credit card processing used to take a long time. The credit card company took weeks to process your application because it still needed to check your credit history. And for you this would mean weeks of anxious waiting just to know if you are approved or not. But not anymore. Technology and business methods have advanced so much that it takes only a few minutes to have your application cleared and approved. This has come has a boon to so many people who need a credit card in a hurry. How does one get an instant credit card approved Read further.
The easiest way to get an instant credit card is to go online on the Internet. Just type Instant credit card approval into the search box of a popular search engine like Google or Yahoo and press Enter. You will soon see a whole list of instant credit card websites to choose from. They all will have a link that will take you to the page to apply online. These days most online credit card applications have a box on the side that gives all the details like rates for purchases, their interest rates, their free interest period and so on. You will also find a whole list of terms and conditions. All of them will ask for the following:
a) Your Name and address.
Your full name with middle name will be a must. If you have not lived in the present address for more than three years, you will need to provide details of your previous address and pin or zip code. Maybe a phone number and your email address will also be needed.
b) Your date of birth
c) Your marital status
d) A few companies will ask for your mothers name as well
e) Details of the ownership of your home , whether it is rented or owned by you and whether there is already a mortgage on it.
f) Your present occupation and employment status.
g) Your annual income and possible bank documents to attest it.
h) A complete list of all the cards already you enjoy.
After providing the details, the response comes certainly within a minute or two. Sometimes the company may ask you for additional information. Sometimes your instant credit card is not instantly approved especially when your credit score rating is not available or if you really have a very poor credit score. Of course it may take a week or so for the card to reach you in your home for use. You will at least have the satisfaction of knowing that you are already approved. Here are few cards that generally get approved instantly:
1Blue Sky from American Express.
2AT&T Universal Platinum Master Card
3HSBC Platinum Master Card
All of the above can be instantly approved for you if you have an excellent credit rating. But these days there are hundreds of credit card companies who are willing to approve you even if you do not have a good credit rating. This is because to beat the competition. But this does not mean you have an open general license to go on a spending spree once you begin using the card. Guard your wallet by using your credit card wisely. This habit will only improve your credit rating and will be an advantage when you suddenly have the need to go for another instant credit card approval from another company.
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