How to Get Instantly Approved For The Best Credit Card Online

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Getting an instant approval credit card online is a convenient way get a great credit card deal. You will know, within a few minutes, if you qualify. But, how do yoyu know if you are getting the best terms and fees so you are not scammed? By knowing what to do, getting an instant approval credit card can be the fastest, easiest, and really the most convenient method of getting new credit cards. Here are 5 insider tips that will help you get the best instant approval credit card online.

1. What Is The Cost Of Instant Credit Card Approval?

You will have multiple choices when you go looking for instant approval credit cards online. You must take time to compare each offer thoroughly by knowing what factors are the most important to your credit health. For instance, in order to give you instant approval, the credit card company will try to get you to pay more by charging annual fees, adjustable interest rates, and other miscellaneous charges like late fees and penalties. It can all add up to big dollars. You need to think about how much you have to pay for convenience and what happens if you get into trouble, before you sign up.

2. Search Engines Are Your Best Tool

A simple online search through several search engines will show you a side-by-side comparison of the best rates of interest, annual fees, and other charges. You can even search providers in your local town and compare those to out-of-town providers. Many local banks and credit unions offer debit cards that can also be used as credit cards. These are usually Visa or Mastercard so check those out too.

If you have decent credit, start with cards with a lesser interest rate and no annual fees. If you have marginal credit, compare cards that offer a reasonable interest rate, a small annual fee, and always read the fine print for penalties and other charges. And, if your credit history is really poor, find a Secured Instant Approval Credit Card. These will offer credit up to an amount you put on deposit with them in advance. They will take a fee for the privilege which is why you should first consider your local bank for a debit card. They might even set up a line of credit for you.

3. Do They Report Your Credit Activity To The 3 Major Credit Bureaus?

When applying for any credit card, be sure the credit card provider reports your activity to the major credit agencies. Not all secured card companies do. You want your activity to be reported so you help your credit score. Ask about this when you apply for the card. Use their contact links if their Terms of Service do not give that information. Otherwise, you are wasting your time with such companies. 

4. Always Tell The Truth About Your Financial Health

Why people try to lie when applying for credit is beyond common sense. This is the age of electronic banking, nothing is hidden. They will find out everything about your finances once you give them permission to run your credit reportt. In the end, they will find out and offer interest rates and fees that fit you. Do not try to inflate your income and do not try to claim low expenses in relation to your income as they apply averages to income levels. Besides, when you lie you are on the border of credit card fraud. Not very smart to go there.

5. How Secure Is The Credit Card Website?

Look for a small lock appearing on the bottom right side of your browser window and/or "https" in the company url. This tells you that your information is secure as possible from most hackers. At the very least, if your information is compromised, you can file a claim against the website owners for not protecting your information.

If your application has been instantly approved online, then you can immediately start spending a limited amount online while you wait for your card in the mail. However, some companies still prevent you from using credit until you get the card and activate it with a telephone call.

Get advice about getting better credit for free. Just visit Annual Credit Report Scam for free videos, articles, and forum. It's all free and no signup for anything. You can improve your credit score so you can save money on everyday credit costs, get high quality insurance, and keep more money in your pocket.

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