Receive an instant response to your credit card or prepaid card application within 60 seconds. Although issuers strive to provide an approval whenever possible, more time may be needed in certain circumstances to determine if your application is approved, denied, or additional verification is needed.
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Updated: January 11, 2018
While card issuers shy away from promising instant approval, you can be approved within minutes in many cases. Add to that, there is a card for nearly everyone – it’s just a matter of knowing what you want and what you will likely qualify for. Here, we look at:
Whatever your reason for applying for a credit card, we’ll answer your most pressing questions:
It can take just moments to be approved for a credit card, and some banks allow you to use the card immediately online. It can take about 10 days to get the physical card, depending on the card issuer.
When you are preapproved for a credit card, it is not a guarantee that you will get the card. It is simply an invitation to apply because the bank likely checked your credit and has decided you might be a good customer. Once you apply, you could be offered another offer, or you could even be rejected. If you don’t want the card, be sure to shred the preapproval because there can be personal information printed on it, such as your name and address.
A preapproval for a credit card is basically an invitation to apply for a card and does not hurt your credit score. The bank has likely pulled your credit, but it is what is called a “soft pull,” which doesn’t affect your credit. When you apply for the card, the bank will conduct a hard pull, which will impact your credit score by about 5 points.
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