Credit Card Questions & Answers

Instant Decision Credit Cards
Instant decision credit cards make applying for a credit card even easier, offering online application forms and instant decisions when you apply on the Internet.

Avoid an application rejection - know your credit score!
Check your credit file prior to making an application, and then take steps to try and improve your credit wherever possible before you make your application.

Guaranteed Credit Cards
Can you apply for a guaranteed credit card? And, more importantly, should you? We investigate.

Are there any differences between applying online or over the telephone or in branch for a credit card?
The various methods of applying for a credit card these days means that it is possible for everyone to find a suitable method to fit in with their needs and circumstances.

While the differences between the methods of applying for a credit card only vary in terms of speed and convenience, the most important factor is still to compare credit cards to make sure you’re applying for the best credit card available.

How long will it take to get my credit card?
Generally speaking credit card applications can take between 5 and 10 working days for the credit card to reach you once your application has been accepted.

However, there are factors that can affect the time it takes for the whole application process to go through, including how many applications the lender has to deal with, the postal service and whether or not the credit term agreement needs to be sent out first for you to sign and return.

What does an instant decision offer?
An instant decision is simply a decision – given instantly – on an online credit card application.

What instant decision credit cards offer however, is faster application times, less waiting around, and knowing where you stand within minutes, instead of days - or worse - weeks later.

How do I apply online for a credit card?
Applying online for a credit card is an easy and quick process. Most credit card issuers provide online application forms that are straightforward to fill out.

Once you've completed the online application the credit card issuer will contact you with a decision – sometimes you can even get an instant decision as soon as you submit the form on the website.