Need to know if you’ve been accepted for credit without delay? Instant approval credit cards give you an answer in minutes.
With instant approval credit cards there's no waiting around for an answer when you apply.
Instead, providers will let you know whether your instant credit cards application has been approved right away. This can be really useful if you need to know quickly whether you’ll have access to the credit you need.
Most credit cards now offer an apply for a credit card online instant approval facility so you find out where you stand in minutes whatever type of credit card you apply for.
You don’t need to have a perfect credit history to get an answer quickly either. Credit cards for bad credit history instant decisions and fair credit instant approval credit cards are available from a number of lenders too.
The vast majority of 0% credit cards give you an instant decision, so you'll find out whether you'll be able to make a 0% balance transfer shortly after applying.
Similarly, if you are planning to make a big purchase in the near future, knowing your 0% credit card instant decision application has been approved will be more than useful.
It's worth noting that you should always apply for an instant use credit card well in advance of when you need to use it. If the lender is unsure whether to accept or reject your application they may decide to refer it while they investigate your financial past further - for this reason you could end up waiting several days for your instant credit card decisions.
Additionally, while the credit card instant decision process will be told if your application has been approved right away you will still have to sign and return the credit agreement before the lender sends out your credit card. This may then take several more days to arrive in the post.
If your application is turned down you should avoid applying for another card right away – this particularly applies to credit cards for bad credit instant approval applications. Instead you should ask the lender why your application was turned down and check your credit report for errors .
For more information on how to use credit cards read our guide 10 Rules for Running Your Credit Card.