Instant approval credit card. No credit check guaranteed credit card.
*Guaranteed credit card with no credit check. Get an instant approval credit card with no turndown and no credit check.
Get a secured credit card or an unsecured merchandise credit card.
* See website for Terms and Conditions
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If you have bad credit and have been turned down for an unsecured credit card, you can get a secured card or an unsecured merchandise card with instant approval
About guaranteed credit cards
-
Credit cards that offer guaranteed approval generally fall into two types 1) Stored value cards or 2) Shopping cards.
Guaranteed approval, stored value cards: These are credit cards in which you load funds into the account to pre-pay for any purchases made using the card. They are similar to bank debit cards, and can be useful to limit spending and avoid high interest charges associated with a standard, unsecured credit card.
Instant approval shopping cards: These cards allow you to make purchases, on credit, from a select catalog or online store. These are similar to retail credit cards, such as those offered by Sears, Home Depot, etc. Although the card can only be used for making purchases at only one resource, it nonetheless offers unsecured credit, meaning you do not have to pre-pay. For some purchases; however, that are a high dollar value, the issuer may require a partial pre-payment, but will extend credit for the remaining balance.
With an unsecured line of credit, even bad credit people have the ability to make purchases and repay on a monthly payment plan. As long as you are not currently in bankruptcy, and if you have a source of income and are a U.S. resident residing in the U.S., you already qualify for Shopping Platinum Credit Card. (See application Terms and details for qualifications).
Guaranteed Credit Card Approval Tips
- Submitting a credit card application and crossing your fingers for approval isn't the smart way to apply. Credit card companies that offer high limit, low interest credit cards with rewards such as cashback, typically ask a host of questions including employment information. On top of that, they want permission to review your credit report as part of the application process.
Whether or not you will get approved for a high limit, low interest credit card with rewards depends on your credit history. So does the interest rate you'll be charged, the fees you'll pay, your credit limit and so forth.
So whether or not a credit card application requires a credit check depends on the risk the credit card company will face. Once again, those high credit limit, low interest rewards cards put the issuing company at high risk should a cardholder default.
When shopping for a credit card, shop similar to the way you'd look for a new car. If you have bad credit and don't have a lot of money, you'll need to borrow with an auto loan. If you know; according to your credit and income, that you won't qualify for a large loan amount, you won't even set foot on the lot of a luxury dealership.
To get guaranteed credit card approval, shop for credit cards in the same manner. Instead of applying for high risk credit cards that require a credit check, submit low risk bad credit card applications.
Although limited, there are credit cards for bad credit people. If your credit is so bad that you still can't qualify for a low limit, low risk unsecured credit card, consider a secured credit card. A secured credit card can also help rebuild credit, just be sure the issuer reports your timely payments to at least one credit bureau.
Tip: Some people think that if a credit card doesn't report to a credit bureau, that they can default on fees, payments, etc. But the truth is, even a credit card that doesn't report good timely payments will nonetheless report bad activity.
Wish you could get an instant approval credit card? Now you can! Choose your *guaranteed credit card above and *see website for terms and conditions.
Credit
card offers as
well as incentives may continue to rise. Don't be surprised if even your
child gets a card offer. Offers have been increasing in mailboxes
across America. This may not matter much for people who already have several
cards and are not interested in new offers. More offers may be a sure sign the economy
is mending. It has been estimated that Americans have probably received over two
billion solicitations which was more than in 2009. It looks like credit card
companies are returning to their old marketing habits.
The
beginning of 2010 did not hold a positive outlook due to high rates and less
perks, now offers may be packed with much better incentives and rewards that
could lure new customers. Cashback cards should be popular and many consumers
will probably compare deals and use the ones with the best incentives. An
example of a cashback offer is when a cardholder charges a specific amount, they
may be able to get as much as one hundred dollars back. Check out cards like the
Chase Freedom Visa and compare their offer to other issuers.
A
Discover card may offer
a five percent cash-back bonus when purchases are made in certain categories,
and there can be additional cash back when purchases are made online up to
certain dollar amounts. There are many ways that cardholders may be able to get
extra cashback rewards. For people who have excellent credit, travel cards may
offer the best rewards, especially for new sign ups.
If
a consumer can earn a lot of bonus miles, they may even be able to get a round-trip ticket
in the U.S.. The important thing is to review the details to determine if there
will be an annual fee, if a card is not used frequently.
The
credit card competition should continue with companies possibly offering lower rates
for a longer period, this may continue as the economy continues to get better. Zero percent balance transfers and
low rates will always be available for the people with great scores. Compare introductory
rates on cards, as some will be better than others due to the availability of
different card offers. Offers are around for zero annual percentage rates, for
as long as 24 months, for balance transfers. Some may have a low annual percentage rate for
a couple of years.
Credit
card companies have learned the new rules and they are knowledgeable enough now
to present their cards staying within those regulations. Balance transfer offers
will be big among issuers and they will strive to offer the best deals with
consumers looking for good offers. For example, Discover has a card offer with a zero APR for 12 months, with a balance
transfer. Be sure to review details of any transfer fees with each card offer.
Review Disclaimer:
Review information was collected from the website, and is neither an endorsement by us nor a confirmation of content nor a warrnty of any claims made by the website. Use the review information at your sole discretion and sole liability.
Need an instant online credit card approval? Get a descision in as little as 60 seconds with these great offers! Simply complete an application for one of the instant approval credit cards listed below and you'll receive a response right away. Although 'instant approval' is not guaranteed for the products on this page, an instant response will be provided within just one minute.
Poor / Bad Credit Credit Cards - If you have bad credit - or a limited credit history - the unsecured credit cards on this page may be able to help. These fee-based products do not require security deposits and can help you get started on the right track. TIP: If you don't qualify for an unsecured card for bad credit, try a secured credit card instead. Or, check out our prepaid debit cards for additional options.
Prepaid Debit Card Offers - Looking for the safety and convenience of plastic without the hassle or stress of a credit card? Prepaid debit cards do not require credit checks or security deposits and are used on a pay-as-you-go basis. Some even allow you to build and establish your credit by reporting your activity to credit bureaus! Approval for these cards is 100% guaranteed!
Debit Cards - Using a debit card is a simple way of accessing your personal bank account. Often referred to as an ATM card, every major bank / financial institution issues them. With a Visa or MasterCard insignia on the front, debit cards are accepted almost everywhere. Once a payment is authorized, funds are immediately removed from your bank account via electronic transfer.
PROS:
* Payments are made directly from your bank account
* Very easy to obtain
* No identification required; authorization is confirmed by a personal identification number (PIN)
* Limits purchases to items you can afford to pay for with cash
* No added debt
* No monthly bills or repayment
* No charge for debit card transactions
CONS:
* Limited by the amount of funds in your account
* Must keep meticulous records to avoid fees
* Less consumer protections - zero liability provided on debit cards is only a policy and therefore can change at any time, like interest rates and fees. The Electronic Fund Transfer Act gives you the right to dispute an error on your bank statement and gives you some protections.
Every debit card transaction should be recorded in a register (or log) to prevent overdrawing your account. Unlike credit cards, banks do not earn interest charges from debit cards, so they depend on fees to make money. The most common is an overdraft or insufficient funds fee. For example, if you pay for gas at the pump and drive away without taking your receipt, it's easy to forget to post the transaction and incur an insufficient funds fee later on when another purchase overdraws your account. Always keep your receipts and record and confirm your account balance in a timely fashion.
Unsecured Credit Cards - Using a credit card is essentially like taking out a loan. Purchases are paid with a pre-approved credit limit, detailed on your monthly statement. You have the option of paying the entire balance in full, or you can choose to pay only part of the balance with the remainder carried over to the next month's statement - with interested added for the privilege. As long as you make regular on-time payments - you're account (and credit rating) will remain in good-standing.
PROS:
* Monthly credit card statements provide an accurate and often categorized list of all purchases. This is particularly useful to businesses.
* Allows you to make purchases when cash is tight.
* Has a positive impact on your credit score (when handled responsibly)
* The ability to withhold payment if you're unsatisfied with the quality of a purchase. The law is on your side when it comes to credit card purchases. The Fair Credit Billing Act protects your purchase with zero liability for fraudulent purchases, poor quality or damaged merchandise or for merchandise that was never received.
* Ability to earn special perks such as airline miles, cash rebates and other rewards.
* More security features, including product warranties and fraud liability protection
* A better way to make phone or internet purchases
CONS:
* Interest charges add up quickly
* May lead to excessive credit card debt
* Fees may apply for late payments and over-the-limit charges
* Favorite target for fraud and theft by scam artists
Credit cards allow you to make purchases anytime you choose - even when you don't have any cash on hand. With a grace period of up to 30 days and the opportunity to payoff the entire balance by the end of the month, a credit card can be very useful. But be aware, credit cards can be dangerous too. Used improperly, credit cards can lead to excessive debt, a poor credit rating and even bankruptcy.
Most financial experts advise that debit cards should be used for most transactions. But keep at least one credit card for emergencies, and only use it in situations where it's absolutely necessary. For financially savvy (and responsible) individuals, a credit card can be used more frequently to earn rewards and other benefits. But the balance should be paid off as quickly as possible to avoid excessive interest charges. If you're recovering from bankruptcy, trying to reduce or eliminate debt, or completely lack self-control, avoid credit cards altogether and stick with a debit card.
Examples of Unsecured Credit Cards include: cash rebate cards, points rewards cards, high limit cards, no deposit unsecured credit cards and cards to rebuild credit.
Review Disclaimer:
Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability.
Take name off of credit card account - Copyright 2011 Bankrate, Inc. All Rights Reserved
I am in the process of a divorce and will have to file bankruptcy once the divorce is finalized. The debts are all mine except I have a joint credit card with my son. It was my error in putting his name as the authorized user and me as a user. I am trying to work the credit card company to take my son's name off the card, but they said until the account is current and until I send them a letter or affidavit acknowledging that I am the sole person responsible for that account, it cannot be done. I am willing to agree to a hardship program to get his name off. He has applied to the FBI, and I do not want this account to hurt his chances of getting into the bureau. He is also getting married in November, and I do not want to hurt his credit in that area either. I was the one using the card, not he. It was for college expenses, etc. I will have to list this account on the bankruptcy forms, but I truly want to have the company take his name off. Can you advise me how I should handle this debt?
Getting authorized user off credit card: If your credit card company is a national bank, you should file a complaint with the Office of the Comptroller of the Currency about the company's unwillingness to remove an authorized user from the account. Since you're required to accept the financial consequences arising from having an authorized user on the account, your ability to remove someone other than your spouse from the account as an authorized user shouldn't be restricted by the credit card company. Even if your credit card company isn't a national bank, the OCC site will point you toward the right place to file a complaint. Once the credit card company removes your son as an authorized user on the account, it should take about a month for the information to be removed from his credit report. He should review his report from all three major consumer-reporting agencies.
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Wal Mart Gift Card Activation - How to activate a new Wal Mart gift card: For your security, we will require you to activate any Walmart plastic Gift Cards purchased in an order of 25 cards and/or $250 or more. You will receive an email with a password that you can use to activate the cards following these steps: 1. Go to Gift Cards (walmart.com). 2. Click "Activate New Cards" in the left-hand column. 3. Enter your order number and the password you received in the email. All cards in the order will then be active and can be used in any Walmart store or online at Walmart.com. Sam's Club members can also use the cards at any Sam's Club store location in the United States as well as online at Samsclub.com. Walmart Plastic Gift Card: You can use a Walmart plastic Gift Card that has a PIN at any Walmart store and online at Walmart.com. Sam's Club members can also use a Walmart plastic Gift Card that has a PIN at any Sam's Club store location in the United States as well as online at Samsclub.com. If your card does not have a PIN, you can use it only in a Walmart store or Sam's Club. Walmart eGift Card: You can use a Walmart eGift Card at Walmart.com, and Sam's Club members can also use it online at Samsclub.com. Buying Items That Cost More or Less Than the Card Amount: If your order total is less than the amount on your Walmart Gift Card, the remaining amount will be available on your card for future purchases. If your order total is more than the amount on your Walmart Gift Card, you will need to pay for the balance with additional Walmart Gift Cards or a credit card.
