Instant Approval Credit Cards Comparison

Many credit cards today give you a response with 60 seconds on your credit card application. Listed below are some of the credit cards that offer this. If you have a good credit history you may be given approval with this decision and then over the coming days your application will be completed and the credit will then become available.

Please note: The process of receiving your credit card and having access to credit is not instant. You will typically be asked for further documentation which can take a few days to complete the process.

Credit Card Offer

The GEM Visa credit card offers 6 months interest free on purchases for items you buy over $250 in a single transaction. Apply online today to take advantage of this offer and receive a response within 60 seconds.

• $99 p.a. annual fee
• 6 months interest free on any Visa purchase over $250 (reverts to 22.99% p.a.) on purchases
• Cash Advance Rate of 22.99% p.a.
• 55 days interest free

Read the Gem Visa Credit Card terms and conditions.

Credit Cards Comparison with 60 sec Response Times

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			Interest rate (p.a.)	Balance transfer rate (p.a.)	Annual fee	Cash advance rate (p.a.)
	Gem Visa Credit Card	6 months interest free on purchases for purchases made over $250.	6 months interest free on any Visa purchase over $250 (reverts to 22.99% p.a.)		$99 p.a.	22.99% p.a.
	ANZ First Visa Credit Card	If you are a student, or considering applying for your first credit card, the ANZ First Visa gives you the opportunity to have a low starting credit limit.	19.39% p.a.	0% p.a. for 9 months	$30 p.a.	20.99% p.a.
	ANZ Low Rate	A low rate credit card with an intro rate on balance transfer amounts	13.14% p.a.	0% p.a. for 9 months	$58 p.a.	21.49% p.a.
	ANZ Rewards Credit Card	Uncapped points earning allows you to redeem points for a huge selection of rewards. Plus an introductory balance transfer offer.	19.39% p.a.	0% p.a. for 9 months	$89 p.a. (which includes a $34 annual account Fee and a $55 Rewards Program services fee)	20.99% p.a.
	Westpac Low Rate Card	A no frills credit card with a low interest rate on purchases and balance transfers.	0% p.a. for 6 months (reverts to 13.49% p.a.)	3.99% p.a. for 6 months	$45 p.a.	21.49% p.a.
	Emirates Citibank Platinum Card	Earn 15000 bonus Skywards Miles. Plus a low interest rate on balance transfers.	20.99% p.a.	3.9% p.a. for 9 months	$229 p.a.	21.24% p.a.
	Westpac Altitude Card	Redeem Altitude points for flights on any of the world’s major airlines. Earn up to 2.00 points for every dollar spent.	19.99% p.a.	3.99% p.a. for 6 months	$100 p.a.	21.59% p.a.

The Age of Technology

That’s right, it is the fact that we are well into the technological age that it has become easier to get an instant response approved credit card. With the information access that banks have and the research that can be done online, giving instant approval is now possible. Most major financial institutions that offer a credit card service offer this instant response. All you have to do is find the right provider who is offering this service, fill out the application online with complete security, submit it and within approximately 60 seconds (not even time to make a coffee) you will have your decision right there in front of you. If your credit is pretty good you will more than likely be approved instantly and a card will be on its way to you within days.

You might wonder how on earth this can all be done so quickly, well it is just simply a matter of the credit card provider accessing a national credit bureau via the internet and instantly they get an answer regarding your credit status. This system has been set up for the exclusive use of the banking industry. They check your credit score which is a mathematical calculation performed by a particular bureau that rates your credit history. As you can see, it is like so many other systems we use on the internet, a quick and easy process.

How you benefit from Instant Approval

There are several reasons for using this type of service: You may need or want access to credit to pay a debt or even to take advantage of a really good deal being offered to you

• Living in the competitive world we do, banks are always making offers to attract new customers and when these are being offered you can make application right then and there and take advantage of them. Some of these are offered on the internet and it pays to surf for them and take advantage of the offers at hand.
• Sometimes you can get immediate access to a small portion of the credit and this could be very useful in certain circumstances
• Security of applying online is much better than creating a paper trail which can so easily be lost. Online your application has 128-bit encryption which, in online security terms is considered unbreakable. You can check if you are in a secure internet site because your web browser will have a small ‘˜lock’ icon down at the bottom of the page.

Applying for an Credit Card with an Instant Response

The reasons for needing an instant approval credit card are numerous. Whether it is needed for emergencies such as car repairs, medical bills, or home repairs, this type of card will give you the credit that is needed to get you through the hard times. Or, maybe you just need funds for things other than emergencies such as extended travel or a well deserved gift to yourself. All it takes is a few steps.

Application Process

For anyone who needs credit, the time spent waiting for an approval can seem like a hundred years. This is one of the main reasons that instant response credit cards have become so popular. No longer do you have to take time from work or your busy day to meet personally with banking representatives during the credit card approval process. This process has been streamlined so that you can fill out an application online and get immediate approval.

Filling out the application is pretty simple and straightforward. Different banking institutions will have various criteria for approval, but when it comes to filling out the application, the requirements are basically the same. You will need to provide the basics such as your name, address, possible previous addresses, employer, salary, and creditors. Once the financial institution analyzes your application and gets a copy of your credit score, you should receive an approval, a request for more information or non approval within a matter of minutes.

Your Credit Score

Getting a fast approval for a credit card is based upon a good credit rating. Don’t assume that just because this is an online application with fast approval that good credit is not necessary. You still have to endure a regular credit check, but the process will be more efficient. Make sure that before you complete an application for an online credit card that you have inspected your credit history for any possible flaws. Ensure that your credit score is up to par.

Discipline

An online credit card with quick approval may be a good option. However, in order to qualify for this privilege, remember that you must be disciplined enough to remain employed and have a good credit rating. In addition, once you begin your credit card search, you must be disciplined enough to do the proper research and find the best available cards. Don’t let your need for quick money, keep you from thinking clearly.

Applying for an online credit card and receiving a quick approval should be easy to do. Allow enough time for the proper research and then fill out an online application. If you fit the right criteria, which should consist of good credit and employment, your application should be approved in only a few minutes.

Online Application And Approval

Every bank today will entertain online applications from new customers. They do not get involved in too much paperwork, the application online is all that they need. They can check your credit history instantaneously and give a quick reply.

• It takes less than 15 minutes to fill in the form and send it via the internet.
• The bank can give you a reply within 60 seconds.
• Since the process takes such little time, do all your homework before you begin applying. Once the application has been filled, it will not be easy to retract your statements or ask for different rates

Compare The Rates Carefully

Before you file an online application, compare the rates carefully. The rates are variable and so are the benefits which accrue from each card. Check the annual fees, and most important, check the interest rates. These are the regions where the greatest variations can occur, and where you can lose or gain money.

Credit Cards Should Be Used Prudently

Credit cards are easy to use, and they do make life much simpler. However, it is important that you keep a tight watch on your credit card bills and pay them regularly. If you have any arrears in a month these get added to the next month’s bill and the total amount is then charged a high interest rate. This is where the credit card companies make their money, so they are happy if you build up a debt, and pay them interest on all the debts.

Transfer The Balances To A New Card

When you apply online for a new card, you may wish to transfer your balances to this new card at the same time. Specify this in your online application. The balance transferred may be charged a lower rate of interest, if you make sure that you do not make any further purchases on your new card. The transferred balance must be paid off within a specific period of time, otherwise the interest rates once again go beyond your budget, and the purpose behind transferring the balance is lost. Take advantage of the low rates on balance transfers and pay off your debts within the specified time period, thus saving yourself a lot of stress and worry.

Look For The Greatest Benefits And Rewards

All credit card companies entice their clients by offering benefits and rewards. These may range from discounted goods to frequent flyer miles. Some of them offer free insurance up to a certain limit. Many offer lounge facilities at airports, or they offer low rates on cash withdrawals. The annual fees may be lower in some cards or the interest rates may be lower on new purchases. Once you have paid off the balances, then these benefits will come into play. Thus, you must look beyond the balance transfers to the time when you can use the card to make new purchases.