Still have questions about instant approval credit cards? Here are answers to a few you may have:
What’s the Process for Instant Approval?
Each card issuer may have its own approval process. But once you apply for instant approval, the card issuer typically performs a preliminary credit check. From there, you might receive conditional approval as the issuer reviews your credit information more.
Are Instant Approval, Pre-Approval and Pre-Qualification the Same?
Instant approval, pre-qualification and pre-approval are not the same. Think of being pre-approved as an informal check that gives you an idea of whether you’ll be approved. Credit card issuers use soft credit pulls that won’t impact your credit scores until you formally apply. It’s also important to note that pre-approval and pre-qualification don’t necessarily guarantee approval.
Do Instant Approval Credit Cards Have Perks or Rewards Programs for Cardholders?
Instant approval has to do with the application process. Ultimately, perks, rewards and benefits are different from card to card. So be sure to do your research before applying. And remember that applying for multiple credit cards in a short period can negatively affect your credit scores.
Is There a Minimum Credit Score to Get a Credit Card With Instant Approval?
Credit card issuers don’t generally share minimum credit scores needed for instant approval. But excellent or good credit scores could help your chances of being approved.
Is It Possible to Get Instant Approval With Bad Credit?
If you have bad credit or no credit, you might consider applying for a secured credit card. Once you use it responsibly, over time you may be able to build or improve your credit history. And then you might be able to get approved for an instant approval credit card. Or you may be able to upgrade to an unsecured card.
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