How to Increase Your Chance Of Having Your Instant Approval Credit Card Application Approved

Information verified correct on October 21st, 2016

There are ways to make sure that you have the best chance at getting credit card instant approval*, even if you think it is not possible.

Here are four ways to help you improve your chances of getting credit card instant approval when submitting an application. Try them out for yourself and see if you can get approval on the spot.

St.George Vertigo Visa

Get an instant response to your credit card application

After completing your online application for a St.George Vertigo credit card you can get an instant response letting you know if your application was successful or unsuccessful, or has been referred - generally meaning you need to provide proof of income or other documentation.

  • $55 p.a. annual fee
  • 1% p.a. for 12 months (reverts to 13.24% p.a.) on purchases
  • 0% p.a. for 18 months on balance transfers
  • Cash Advance Rate of 21.49% p.a.
  • Up to 55 days interest free
  • Get prepared to apply

    Before you start the application process online you should have all of your documentation at hand. An application for a credit card will usually ask a lot of different questions about your financial situation. You should be able to provide your employment details, personal details and your assets and liabilities. If you are going to add any additional cardholders then you will need to have the same information at hand for them.

  • Give as much information as possible

    In order to improve your chances at getting credit card instant approval you should provide as many details as you possibly can. Make sure that all the required information is filled out on the application, and add full details for each section. It is better to fill in a zero or ‘not applicable’ instead of leaving one of the fields empty.

  • A good credit report makes all the difference

    You can be certain that the card company you are applying to will look at your credit file during the approval process to determine how reliable you have been with your debts in the past. It is up to you to make sure that your file is up to date and correct since this credit check is often a determining factor in the application process.
    It is a good idea to get a copy of your credit report every year to make sure that there are no late or missed payments that have been incorrectly added. You must also improve and manage your credit score regularly by making sure that all of your financial commitments are paid on time and that any credit limits have not been exceeded.
    Learn more about credit ratings here

  • The right card will better your odds

    You will have a better chance at getting credit card instant approval if you apply for the right card. If your income is not high and your credit rating is slightly tarnished then you should not apply for a Gold or Platinum card. These cards usually need a perfect credit history and a higher than average income. Do some research on the Internet to find out which banks are more likely to approve your application based on your credit report and your own personal circumstances. Typically a low rate credit card has a lower income requirement of applicants which will increase the chance of success.
    Learn more and compare low interest rates credit cards here

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Credit Cards Comparison

Rates last updated October 21st, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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