How to Get an Instant Approval Credit Card
If you’re looking for practical suggestion on how you can get a credit card with instant approval then, you will surely beneďŹ t from reading this piece. In the paragraphs below, we have enumerated pointers that can help boost your chances of taking out the guaranteed approval card program you wish to use.
5 Pointers for Credit Consumers
1.
Order and examine copies of your credit report. Before filing an application for an instant approval card, you need to know first what your credit score is. To do this, you should order copies of your credit report from the three major credit bureaus – Equifax, Experian and TransUnion.
Once the copies of your credit file arrive, take the time to examine the transactions listed on your report. See to it that the documents are free from errors which might ruin your chances of receiving the guaranteed approval store credit cards you need. And look for fraudulent charges as these can help you detect whether or not your credit information has been compromised.
2. Look for credible card issuers. To protect yourself from fraudsters and from the schemes they use to rip o credit card applicants, you should look for legitimate and credible card issuers. Before signing up for a card program, you must conduct an investigation on the following: the company's history, its business permit and other government-issued licenses and the feedback of its current and previous cardholders. Always remember that the information you will gather from your investigation can help you evaluate the credibility of your chosen issuer. Moreover, it will help you reach a sound decision whether or not to take out a line of credit from the ďŹ rm.
3.Shop and compare. Keep in mind that it is never wise to settle for the first guaranteed approval store credit cards with instant approval that you will stumble upon. In fact, experts encourage consumers, like you, to shop and compare the rates of interest, terms of payments, credit limits and other credit card features offered in various programs. By doing so, you can soon end up with a line of credit that will not only suit your needs and preferences, but also one that won’t be too burdensome to your pocket.
4. Apply online. More and more card companies today provide approval either through their own websites or through third-party sites. So, we encourage you to take advantage of these online services so that you can immediately receive the line of credit you wish to use.
5. Manage your credit card with instant approval responsibly. Always remember that the manner by which you will manage your credit card will be reected on your credit report. So if you wish to build and maintain an excellent credit history then, resolve to use your line of credit in the best way you can. This involves keeping up with your monthly credit card bills and using just a quarter or a third of your credit card limit. By doing so, you will be able to maintain a high credit score. More importantly, you can avoid incurring huge interest charges and late payment fees.