An instant approval credit card that you can use immediately is one that you can get approved for and make purchases with in ...

Instant approval business cards come few and far between, but there is still a decent selection of cash back and rewards options. All American Express cards, besides the Amazon Business American ...

Credit card companies are required by the CARD Act of 2009 to use certain approval factors to make sure you can pay back what you charge. When you apply for a credit card, the issuer will consider: ...

Applying for a new credit card doesn’t need to feel like a leap into the unknown. Preapproval allows you to check your approval chances—and avoid hard inquiries—so you can apply confidently.

How to Use Your New Credit Card Before It's Even Delivered Some credit cards can be used immediately upon approval, weeks before your physical card arrives in the mail.

Pay down outstanding debt on existing cards before applying for a new credit card. Typically, it’s good to keep outstanding balances below 30% of your credit. Lower utilization ratios are better. 5.

Prospective cardholders might also find credit card preapproval offers through online advertisements, emails or mailed promotions. Issuers/cards that offer preapproval or pre-qualification ...

Some cards also offer preapproval, which is similar, but is a slightly better predictor of approval. Pre-qualification for Citi cards is no longer available.

3. Apply with the right bank: You are more likely to be approved by a bank where you already have a savings account or salary account or banks that offer pre-approved cards based on your profile. 4.