Easy Credit Cards: Easy Online Application & Instant Approval

An easy credit card application is the one that takes around fifteen minutes and from which you receive a response within one minute.

Fortunately, that would cover the vast majority of credit card applications when made online. Credit card providers who do not allow such an easy process are in danger of losing customers, especially in such a competitive marketplace.

Receive a response to your credit card application in 60 seconds

The Suncorp Clear Options Credit Card will give you a quick response on your credit card application. With a minimum income requirement for the application of just $35000. The other great thing is that the card is one of the most competitive offers in the Australian market with a low annual fee and low interest balance transfer deal

• $39 annual fee
• 12.24% p.a. on purchases
• 1.9% p.a. for 12 months on balance transfers
• Cash Advance Rate of 17.99%
• Minimum income requirement only $35000

Click here to read the Suncorp Clear Options Standard Visa Card terms and conditions

You can make for an easy credit card application by being realistic. Applying for a Platinum card when you wait tables is going to find you out, and any application you make is logged on your credit history. Only apply for the level of card you can reasonably expect to be approved for. Different criteria will apply depending on the type of card. Income is a key factor, along with Australian residence (although not in all cases); you must also be over eighteen, and your credit rating must be good.

Although applications can be made over the phone and in person, the really simple and easy credit card application is made via the Internet. Most forms only take around fifteen minutes to complete, but you must have all the required information with you at the start. Most application forms have a time-out security feature that means if you leave the connection idle for ten minutes or so, everything you’ve already input will be wiped. Speaking of security, you should also make sure the site has a padlock symbol bottom right to show it is secure, and it should be https in the address bar rather than plain http.

This is the information you will need to ensure an easy credit card application process:

• Personal and contact details – Full name, date of birth, home and email addresses, home and mobile telephone numbers. The same for any additional cardholder you wish to include.
• Australian driver’s licence number, if you have one.
• Income details – Your income should usually be at least $15,000 p.a. for a regular credit card; gold and platinum cards require a higher income, starting at $50,000 for gold and  $65,000 or $75,000 for platinum.
• Details of expenditure, debts and assets – Such as monthly expenses, mortgage, loans still payable, property owned.
• Employer’s details – Name, address and contact number, and the same for your accountant if self-employed.

Once you have submitted your application form, you will normally receive a response within a minute. This may be a rejection, or an approval in principle along with a reference number

Although this next part of the process involves more than sitting in front of your computer, therefore may not seem so easy, credit cards cannot simply then be sent out to customers. For your application to be fully approved, you must appear in person at a branch of the issuing bank with documents to verify your identity, which is mandated by the Australian government. You may also have been asked to bring along documentary evidence to support certain information you provided on your application form.

After this, your credit card will normally arrive within five working days, and your PIN under separate cover.

• Comparison of Top 10 Credit Card Offers

Editor's Choice: Our Top Credit Cards

Credit Card	Card Details	Interest Rate (p.a.)	Cash Advance Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Interest free days (up to)
HSBC Credit Card	Editor's Choice: 0% for 6 months Balance Transfer & No Annual Fee Featuring a $0 annual fee for life, and 0% p.a. balance transfer for 6 months, the HSBC Credit Card was voted the Best Transactor Credit Card for 2010.	16.99%	20.75%	0% for 6 months	$0	55
Suncorp Clear Options Standard Visa Card	A great 12 month balance transfer offer, combined with a low annual fee and a good interest rate on purchases.	12.24%	17.99%	1.9% for 12 months	$39	0