Getting an instant card approval is not all that easy as it is perceived to be. If you want to apply for an instant credit card, you need to have a very good credit history. Companies give this facility only to individuals who have a good credit rating and who have always settled their payments before the due date. Defaults do not stand a chance to get an instant card. Given below are 5 tips which would help you apply for an instant credit card.
1) First and foremost apply for the card. Although credit card companies consider individuals who have a good credit history, it may not always be the case. It may not be really compulsory though. There is tough competition among card companies and they have to pitch for high sales percentage. Here, they can not be very rigid in deciding whom to give the credit card and what not to. hey have no choice but to offer cards to defaulters as well. If they miss the prospective customer, then the competitor would close the sales. So, you have nothing to worry. Just be confident and apply.
2) Many credit companies lure customers with their shrewd marketing tactics. Do not fall a prey to these offers. There are companies which offer online credit cards. Just browse the internet and do your part of research before applying for a card from the company. There are many companies which would have competitive offers and it is left up to you to select the best. Be practical and make sure you compare the deals offered by the companies before you make your decision.
3) The offers of the credit card companies would be too good to refuse. Do not sign up for every card. Apply for the best one which suits your requirements. Your credit rating is likely to get affected if you keep applying for too many credit cards. The companies would view you as an individual who is very much in need of cash. So avoid doing this.
4) Make sure the payments are made promptly before the due date so that you do not end up paying a fine. Late payments or defaulters would end up spoiling their credit history. Moreover, there are fewer chances of approval of your online card. Here, if you make the payments on time, your application is sure to get approved quickly.
5) In case there is a delay in getting your card approval, there is no need to get worried. Just fill the department credit card store application. These credit cards are approved effortlessly. Moreover, they are ideal for credit card beginners. Meanwhile, once the other credit card is processed, you would get that too and you can start using it. So happy shopping!