Most of the credit card offers are going to be a fast approval.  The creation of the internet has made it possible for most of the credit card companies to approve you in 30 seconds or a little more depending on who you are applying with.  For 30 second approval credit cards you simply need to do a search for some of the well known banks or credit card companies.  Companies like Chase, Discover, Barclay, First Premier, and Orchard are 30 second approval credit cards.  Does this mean they are the best out there?  No, and it doesn’t mean you will be guaranteed the approval either.  It simply means that the process for these 30 second approval credit cards will take that much time to learn the answer to your credit card application.  Here is how these 30 second approval credit cards work.

 

As the consumer you will find the bank you would like to get a card from.  You will also know what your credit history and scores will tell the bank.  In other words you should be aware of all issues the bank could have for declining the application.  This is the step to actually choosing the card to apply for.  For example if your credit is poor you want a company that will offer credit to you, rather than applying for a card you may not be able to be approved for.  The companies generally tell you if they will accept an application for a certain type of credit. 

Once you go to the bank or are on a website for credit cards you can hit the apply button.  The application must be accurate.  Do not think that by lying about your income you will get the credit card.  If the card company finds you have lied on the application they can impose fees as well as cancel the account.  So be truthful.  The application for 30 second approval credit cards asks for personal information like address, name, and telephone number.  They will also ask for your income.  You then sign the application electronically and submit.  In 30 seconds they will access your credit history and scores.  Based on the application and the credit information they will either approve or decline.  They are establishing your risk in that 30 second window and then awarding a card that fits your criteria for risk.  This could mean that the offer you applied for was decline in some part.  The most common is the great rate for 6% is not offered because of risk therefore you are obtaining a card with a 16% APR. 

The 30 second approval credit cards are finite.  They look at the information with a quick glance and there is no room for negotiation.  So there could be something they have missed or marked you more risky than you really are if the process took a bit longer.  On the other hand they may not catch something that could have caused a decline on the application.