The instant approval credit card application can be found on most websites simply by searching for a credit card and you can even get pre-approved in person, or over the phone, subject to a verification of the information that you provide. Instant approval credit card applications are scored by a computer based upon the information about income and residency that you give them as well as a cursory glance at your credit score by the computer, that will calculate whether or not you fall into the pre-approval bracket. If not, don’t give up hope, you may still get approved by a real person, but instant approval is out.

The credit card application instant approval process is simple. It generally involved checking to see if you claim to have an income, and if your credit history is a good one. If so, then you will be approved, pending you proving income and giving them further information. If a computer accepts you or preapproved you, the application will still be looked at by an employee of the credit card company but filling out instant approval credit card applications online will generally only be scored by the computer or if you call in by scoring your application manually along with your credit report.

Besides online credit card application instant approval there is also the pre-screening method. This is when you get credit card offers in the mail that says you are already approved for a credit card. You can simply call in at that point and provide further information and you will be sent a credit card. This means that the credit card company got your name and address from somewhere, likely somewhere else that you financed something that they were affiliated with, and checked your credit. Then they preapproved you for a certain amount of credit.

Another way that you can get instantly approved for a credit card is in a department store or other type of business that offers an in house credit card. You can get instant approval on these type of credit cards by filling out the application and having the store clerk call into their office to see if your application is approved, or it may be done online. Your income isn’t as important as it is with a credit card in this instance. If you are shopping at the store then you must have an income, and they may not ask you to prove your income at all.

After you receive your pre-approval and have had your application looked over and approved by an actual person then you will have to wait for your card to arrive in your mailbox. This may take only a couple of weeks but most likely it will take six to eight weeks. The card must be ordered and imprinted with your name on it and in most cases this takes around 45-60 days. Once you get your card you will simply call the number on the back to activate and you can begin using it right away for purchases or cash advances or shopping online.