30 Second Credit Card Approval

30 second approval credit cards simple means you will be approved in thirty seconds or less for a great card.  This does not mean you will be guaranteed that approval.  They could just as easily decline the application; all though they tend to approve you with easy credit in that amount of time when you shop the right cards. 

Discover card is just one of the companies that will offer 30 second approval credit cards.  It is extremely simple to apply for one of these cards.  You just find the particular Discover card you are interested in whether it is their cash back bonus card or their regular credit card.  Once you are sure you will be approved for the application you can go online to their site or the site you found the card on and apply.  The application process is very simple.  You just fill out your personal information and your income and the computer does the rest.  The reason it is 30 second approval credit cards is the software they use.  The software is going to quickly tally the risk associated with you by accessing you credit report and scores combined with the application you sent in.  As long as you understood the requirements for the particular card you are applying for your chances of approval are high.  If there is a chance you would not qualify because of your credit then I would not apply.  A decline on your credit report can be very difficult to overcome.

Chase is another card that you are guaranteed an approval answer within 30 seconds.  Their cards tend to be a little higher in the interest rate even for their excellent credit consumers.  The starting rate can be a little high, but remember the advertised rate is not always what the company will offer.  Discover has a card rate of 10.99% for excellent credit, but if you don’t have that type of credit you could get an 18% annual percentage rate.  With Chase they tend to be a little higher at the outset, but don’t go quite as high as 18% or 19% for good credit.  Chase also has free cards rewards on their visa cards.

The 30 second approval credit cards are simply that.  You don’t have to wait for a letter in the mail to tell you that you qualified.  Capital One and American Express are two companies who tend to send out letters.  I have also found with credit card companies when they send out a letter to tell you the approval it is most likely a decline letter.  Many of the companies try to have an answer to you in as little as a minute in order to win your favor for application in the first place. 

You still need to rate the cards before you apply.  You want to make sure the terms and conditions are not going to hide anything regarding interest rate, fees, balance transfers, and other things you might need to know.