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April 11, 2020 4 min

How Instant Approval Credit Cards Work?

Credit cards with instant approval are popular and great for anyone that doesn’t want to wait.  Traditionally when you want to apply for a credit card you would research certain cards that you’re interested in, visit their application website such as www.myboostnow.com/approval, then apply.  The approval process would take a week or so.

With instant approval credit cards all of the hard work is already done for you.  Instead of you hunting for the right credit card, credit card companies in advance review your credit history.  If your credit history and score reflect the type of credit cards they offer then you will be pre-approved for a credit card and they will send you an offer letter in the mail inviting you to apply.

Short Application Process

Consumers are attracted to instant approval credit cards because the application process is short.  Since you’re already pre-approved much of your data needed for the application will be pre-filled speeding up the application process.  Applying will only take a few minutes.

Instant Decision

Perhaps the biggest advantage for instant approval credit cards is when you complete the application you will receive a decision on your acceptance after you click Submit.  It only takes a minute or so for your application to be reviewed and approved/denied.

If you’re approved you will be given your credit limit and your new credit card sent out in the mail which can take a week or so to arrive.

Activate Online

After you’ve received a credit card by mail, you have to call to 1-800 number to activate it, or visit their activation website such as www.bluebird.com/activate. They also can request to send some papers with proof of address and income.

Good and Bad Credit Offers

When it comes to instant approval credit cards there is no discrimination of credit.  There are good and bad credit card offers that you’ll find in mailboxes.  So, if you are dealing with bad credit don’t be surprised to see certain credit cards that you can get approved for.

Most credit card offers are sent in the mail and are a convenience to consumers because the application process and acceptance process is so short.



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