The fastest way to get a credit card is to apply online, as you could be approved instantly and you may even receive an instant card number so you can make purchases right away. You can also request expedited shipping to receive your actual card as soon as possible.
Ways to Get a Credit Card Fast:
Apply online
This is the fastest way to get your application to the issuer.
You’re more likely to be instantly approved for cards that you’re overqualified for (e.g. apply forfair credit cardsif you havegood credit). You could even put a deposit ona secured credit card, which has the highest odds of approval of any card type.
Check for pre-approval
Some issuers let you check online to see whether you’repre-approvedfor any of their cards. This means they’ll tell you whether you’re a good candidate to apply based on a harmlesssoft checkof your credit. If you’re pre-approved, you’ll have around a 90%chance of success when you actually apply for an account.
Look for instant use cards
Certain issuers provide your credit card number (or a temporary one) to use right after you’re approved, instead of making you wait 7-10 business days until your card arrives in the mail.Somestore credit cards also allow you to apply and use your card the same day.
Request expedited shipping
Most credit card issuers will give you an option forfaster shipping, usually in exchange for a fee ranging from $6 to $25. You may even get it for free, depending on the issuer. This will allow you to get your hands on the card sooner than the normal 7-10 business days.
Call the issuer
If you don’t get approved right away and your application is pending, you can try following up with the issuer. Calling them might get your application looked at a little sooner than if you just waited. It might not, but it’s worth a try.
Regardless of whether you go for an account that gives you an instant number, your card should arrive within 7-10 business days of approval.If it doesn’t get to you within that time frame, you should definitely give customer service a call to check its status.
This answer was last updated on 08/23/24 and it was first published on 01/22/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
Applying for a credit card online is often the quickest option. You could get a near-instant answer to your application. And if you're approved, some lenders may give you a virtual card number to start using straight away.
Many issuers offer secured credit cards. This can be a great option to build or rebuild credit. Here's how they work: You deposit an amount of money, sometimes known as a security deposit, and the credit card issuer holds it as collateral.
Some credit card issuers may instantly approve your application for a credit card. In order to improve your chances of instant approval, keep track of your credit, pay your bills on time, avoid using too much of your credit limit, and limit the number of hard inquiries on your credit report.
When you apply for a physical credit card, you can normally receive your credit card within 15 days after getting approved for it. But with an instant credit card, you don't have to wait that long.You can get approved and start using your credit card instantly.
Select issuers, including American Express, provide instant credit card numbers to eligible card members immediately upon approval. This allows you to shop online and take immediate advantage of card benefits, instead of waiting for a physical card to arrive in the mail.
The Bank of America® Travel Rewards Secured Credit Card is the best credit card with a $5,000 limit for bad credit. You can get a $5,000 credit limit with the Bank of America Travel Secured Card by placing a refundable security deposit of $5,000. The card also offers 1.5 point per $1 spent and has a $0 annual fee.
Some of the easiest unsecured cards to get approved for are the Indigo® Mastercard®, Mission Lane Visa® Credit Card and Milestone® Mastercard®. While these cards are geared toward people with bad credit and have easy approval odds, they tend to charge high fees and interest, which can make building credit costly.
The OpenSky® Plus Secured Visa® Credit Card is the easiest credit card to get because you can qualify even with bad credit as there's no credit check for new applicants.
The fastest way to get a credit card is to apply online, as you could be approved instantly and you may even receive an instant card number so you can make purchases right away. You can also request expedited shipping to receive your actual card as soon as possible.
Post successful validation of your KYC and other documents your Virtual credit card will be ready instantly. Log into Internet Banking using the temp ID and password sent on your registered mobile number and get your virtual card details. Use your credit card details for safe and secure online transactions.
Introduction: My name is Aron Pacocha, I am a happy, tasty, innocent, proud, talented, courageous, magnificent person who loves writing and wants to share my knowledge and understanding with you.
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