How To Get Instant Credit Approval

Introduction

Many store's offer instant credit approval. You can also find major credit cards, such as VISA and Master card that are available with instant credit approval. Finding these instant credit approval credit offers is not difficult. There are many to choose from and it simply a matter of filling out forms and getting approved.

Step 1

• Find stores that offer instant credit approval. For example, Target and Macys both have this option when you apply for a credit card. Take a walk through the mall and look at all the stores there. Go inside a store that interests you to find out about their store credit cards and whether or not they offer instant credit.

Step 2

• Check your mail for instant credit approval offers. These often come from companies that are offering a VISA or Master Card. You will be able have the option of calling over the telephone to apply, you will also usually be able to apply over the Internet. This way you will know whether you received instant credit approval right away. There is also an option to fill out the form and mail it in. In this case of course, approval will take a little longer.

Step 3

• Fill out forms. Once you find stores and cards that offer instant credit approval, you simply have to fill in the forms. As mentioned above, over the phone or Internet is the fastest and easiest way. The form will ask basic information such as name, address, social security number and telephone number. You will also be asked about your income. Fill in all of the information that is asked for. 

Step 4

• Find out if you were approved. When applying for instant credit approval over the telephone, the wait is short, only a couple of minutes. Applying over the Internet is also quick. Generally the agent will place you on hold while awaiting your results. On the Internet you will see a screen that says processing please wait. For those who are granted instant credit approval, you will be told within minutes. For those who have not been given instant credit approval, you will usually be told that you will hear something in seven to ten days. Often this means that you were not approved and you will receive a denial letter in the mail. 

 

Step 5

• Wait for your new card. If you were given instant credit approval your card should come in the mail shortly. When you receive your card, sign the back. 

Tips

When you apply for a card at a store that offers instant credit approval, you may have the added benefit of getting a percentage off your purchases for that day. Many stores offer this as an incentive to get you to apply.

If you receive instant credit approval in person at a store, you are able to begin making purchases in the store immediately.

Many store's that offer instant credit approval will require you to have a major credit card in order to apply.

If you are denied a card that you apply for, it is a good idea to get a copy of your credit report to see what is on there that prevented your approval.

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