Online Credit Card Approval

Years ago, applying for credit meant sending away for applications you were interested in through the mail, waiting for them to arrive, mailing them back completed, and then waiting for several additional weeks to see if you were approved. Then the internet came along and streamlined the way we do just about everything, making online credit card approval the new standard.

Which credit companies offer online credit card approval?

Credit is a highly competitive business these days and all credit providers recognize the average consumer’s preference for a quick and easy resolution to their application. That being the case, all of the major credit providers active today (including Mastercard, Visa, and American Express) offer online credit card approval in regards to the majority of their programs. These include major rewards programs associated with the earning of airline mileage and other benefits. You can find online credit applications on any one of their main websites. Alternatively, there are a number of websites in operation that specialize in comparing multiple credit card programs for consumer convenience. Once you’ve done your comparison shopping, you then have the option of applying for the program you’re most interested in right on the same site.

How long does it take for online approval of credit cards?

Once your online application is completed with your basic information and sent out to the creditor you’ve chosen, it typically takes around 60 seconds to find out whether you’re approved or not. However, it’s important to note that instant online credit card approval is usually only available to people with good to excellent credit. Those with average or bad credit may find that their application requires more processing time than that. Even if that is the case, you will still find out the approval status of your application much more quickly than you would have if you had applied the old fashioned way — often within a few days. Once approved, you should receive your actual plastic card in the mail within an average period of 10 days.

Is there any way I can be guaranteed an instant online credit card approval even if I don’t have perfect credit?

In the case of less than perfect credit, instant approval is very much still available in regards to prepaid credit cards, as cards of this type don’t require a credit check. However, there is really no reason not to at least try to apply for instant credit in regards to traditional cards. With the market for credit becoming more and more competitive all the time, many credit card companies have been allowing people with less than perfect credit instant approval when they wouldn’t have been deemed eligible before.