If you need a credit card in a rush, here are a few things you can do to speed up the application and approval process. Though most applications for credit cards take days, sometimes even weeks, to get approved, there are several options and ways by which you can get a credit card more quickly. How to get a credit card as soon as possible.
1. Apply for a Credit Card Online
The most convenient and one of the fastest ways to apply for a credit card is through an online application. Most major credit card providers offer online applications, which take only a couple of minutes to fill out, and you may even be given an instant decision after submitting it. Some banks and providers are even able to approve in minutes, especially if your credit history is good and your information is easily verified.
2. Choose a Pre-Approved Credit Card Offer
Another quick method of application for a credit card would be through a pre-approved offer. If, by any means, you receive some sort of pre-approval notification in your mailing or e-mail, this simply puts forth the notion that the issuer has already accessed your credit data and has found you likely to qualify. You would only need to take action on accepting the offer and following through with other steps; you may even get instantly approved.
3. Consider Instant Approval Credit Cards
Many credit card issuers now offer “instant approval” cards. With these credit cards, you are supplied with a real-time decision on your application sometimes within seconds of its submission. If approved, you may also immediately be able to start using the card digitally, even before the physical card arrives in the mail. Instant approval cards are available for consumers with good to excellent credit; therefore, you must check your credit score before applying.
4. Visiting a Bank Branch Locally
Other options include credit card applications through that bank down the street from your home. Many of those banks offer instant approval to existing customers who have a checking account or savings account with them. If you are in good standing with your bank, you can attempt to even hurry it along by sitting down face-to-face with a banker.
5. Consider a Secured Credit Card
The fastest way, if you have poor or limited credit, is to apply for a secured credit card. Secured credit cards require a refundable security deposit, and that amount becomes your credit limit. Because the bank isn’t taking much risk, the requirements for approval in these cards are usually more lenient, and you may get approved much faster than with traditional credit cards. Additionally, many secured card issuers offer fast online applications and nearly instant approval.
This post was written by a professional by Exzact Business Solutions. TRANSPARENT | AFFORDABLE | SIMPLE merchant services Pinellas Park, Websites, and Social Media Done Right. Exzact Business Solutions are on a mission to educate local businesses to ensure smiles, savings, and solutions. Exzact clients save an average of 30% on their processing alone. No Contracts, Free Equipment, Local Support, No Rate Increases, and More. Exzact Business Solutions goal is to educate the local business community to ensure smiles, savings, and solutions. Exzact Business Solutions is an Independent Sales Organization with strategic partnerships dedicated to cultivating reliable and trustworthy relationships in the Payment Card Industry, allowing us to tailor products and services to the needs of each merchant. Contact EBS and see what a difference having the right advocate can make!
