#Instant Decision Card Offers

The Facts About Instant Approval Credit Card Offers

Applying for a credit card can be a difficult and stressful process. Especially if you aren't sure what your credit score is like, you can spend a lot of time and worry wondering whether or not you're going to be approved for the card that you want. Then, if you aren't approved, you have to start all over again from scratch, looking for the right card for you, sending out your information, and then twiddling your thumbs for days while the credit card company runs around, gathering information on you.

If you are sick of the process, think about applying for instant approval cards. When you apply for such cards, you will know whether or not you have been approved for the card you want within just seconds of sending in your application.

But first things first. Just because you have gotten a letter or a flyer or an email saying that you have been pre-approved for one of various instant approval credit card offers doesn't mean that there is already a card out there with your name on it. If you're interested in these cards, you will still have to go through a short application process to see whether or not you will be approved.

One thing to keep in mind, though, is that even if the process of applying only takes seconds, getting the card itself and access to funds will take one or two weeks. Many people mistakenly assume that such cards give you immediate approval as well as immediate access. The only "instant" part is the approval process. Even if you've been approved, you still have to wait for the physical credit card itself to come in the mail, and then perform several security measures in order to avoid fraudulent use.

Another thing to take into consideration when you are applying is your credit score. Just because the application process is fast doesn't mean that the institutions offering them aren't interested in your credit history. If you have bad credit, applying for lots of instant approval credit cards isn't going to make it any better. You have to find an institution that provides cards specifically for people with varied credit histories. Be aware of what your credit score is like, and you'll be able to make better decisions.

Finally, just because these cards come with a fast approval process doesn't mean the credit cards themselves don't have to be great. There are lots of institutions offering a variety of such cards, so shop around to find the right one for you. When you look at lots of offers, you will see a lot of variation in interest rates, introductory rates and user benefits, so don't just pick up the first one that catches your eye. The application process might be fast, but you might have the card itself for a long time, so take your time in deciding which ones you want to apply for.

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