Credit Card Questions & Answers

Related FAQ's & Guides Get an instant decision when you apply online 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. Q. How do I apply online for a credit card? A. 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. Q. How long will it take to get my credit card? A. 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. Q. Are there any differences between applying online or over the telephone or in branch for a credit card? A. 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.

AN instant decision is simply a decision – given instantly – on an online credit card application.

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

Instant decision credit cards

In the past applying for a credit card often meant having to wait for long periods of time just to get a decision on your application and then having to wait again for your card to come through if you were successful.

However, these days, aided by the power of the Internet, it is possible to get an instant decision on your credit card application, saving you time, hassle, and worry.

Online credit card applications will often tell you before you start whether or not you'll receive an instant decision.

Depending on your credit history and credit score you may be approved straightaway, your application may be referred or you may be declined. A referred application means the credit card issuer will look at your application in more detail to decide whether they will approve it or not.

If you are declined, it's worth waiting for at least 3 months before you apply for another credit card. It may be worth opting for a bad credit rating credit card instead - or checking your credit report online if you are unsure why your application was turned down.

Comparing instant decision credit cards

You can compare instant decision credit cards available here. However, simply choosing a credit card for a fast application may not be the wisest move.

Instead, decide what you want from a credit card, be it a 0% balance transfer, 0% purchase deal, rewards or to rebuild a poor credit history.

Once you know what you want from a credit card, you should compare the credit card offers available - if two cards offer the same rates and / or incentives - opting for the one with an instant decision could be a good deciding point.

Compare instant decision credit cards

Instant decision credit card questions & answers
Credit card questions & answers

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