In the past there were no such thing as instant response credit cards, credit card applications were at best lengthy phone converstaions at at worst a couple of pages of forms complete with photocopies of identification ans proof of income. In those days it was not unusual to have to wait for a few weeks you would know whether or not your credit card applicayion had been approved.
Times have changed, and now some providers offer instant response or instant approval credit cards are they are commonly called. Instant response credit cards are credit cards you can apply for online and a decision on your application will be given to you in around 1 minute. If you are in need of credit, you can now consider a credit card as a means to instant credit, along with the traditional pay day lenders.
The easiest way to apply for an instant response credit card is online at the credit card issuers website.
The application process normally takes around 10 minutes to complete the application forms. Once you have entered all of your details, and provided the required information, you will, in most cases receive a response in 60 seconds.
When applying for an instant response credit card, you’ll need to meet the application criteria (these are typically: min income eg: $20,000 per annum, min age: 18 years, residency: permanent Australian resident) for the credit card you are applying for and provide the following details:
- Name, address, and telephone number.
- Driving licence number.
- Details of your employer, including names, addresses and telephone numbers. (If you are self-employed you will need to provide your accountants details.)
The system will undertake a credit check; it is worth checking your own credit score before making an application to ensure there are no errors on your credit report that may have a negative effect on your application. The system may or not verify your identity with verisign and then you will receive your response.
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