Instant Approval Credit Cards When You Want Credit Now

It is a fact of life. You are shopping on the internet and you come across an item that retails for much lower than in the stores. With free shipping included, that computer desk you found online can be ordered today, shipped tomorrow, and at your front door by the weekend. No navigating traffic to go to the mall, no jockeying around for a parking space, and no lifting of a bulky box and trying to fit it into the back of your car. However, you may soon realize you have a very big problem: your credit card is maxed out and you can't or don't want to have your credit line increased. What can you do? That's simple: apply for a new credit card, one that will give you instant approval and begin using today. That's right, an instant approval credit card may be all that you need to get your order placed and processed immediately [certain spending limitations may be in place until your card arrives in the mail].

We live in an age where many decisions must be made quickly. Credit card providers know this and have responded by setting up ways for consumers to apply for an instant approval credit card through a secured web site and receive their approval usually within one minute's time! How do they do this? By quickly accessing your credit report and FICO score and making an instant determination as to whether you are worth the risk to them. If they see you as a worthy customer, you will receive instant approval. In fact, the whole process is computerized as your computer contacts their computer which then contact's the credit bureau's computer to obtain your credit information.

As long as everything is okay, you will receive instant approval. If there is a problem, your application could get 'flagged' and have to await the approval of a banking professional. Once everything is cleared up, you should then receive immediate approval.

Some instant approval credit cards also have several terrific features including low introductory rates, free balance transfers, no annual fee, and a low fixed rate after the introductory period ends. You can even find instant approval credit cards that offer cash back on purchases or rewards points redeemable for free hotel stays, a car rental, household and yard items, and so much more.

You can find instant approval credit cards through trusted providers including Master Card, VISA, and American Express. Select the card that works best with your lifestyle and reap the rewards of accumulating points and getting what you want quickly.

Instant approval credit cards are for what you need when you need it. Shop for your card today and that computer desk can be delivered to your home and at terrific savings to you!

Click here to find Instant Approval Credit Cards. Ed Vegliante runs www.Credit-Card-Surplus.com, a directory helping consumers to compare and apply for credit cards.

How can I build my credit? helppppp?

I just turned 18 in October and I need helppp!
I can't get approved for credit cards, even the ones that say no credit history credit cards, or instant approval. I've applied for a small loan. I've applied for a Walmart credit card, a Sears credit card, and I've gotten denied on all of these options.
How exactly am I suppose to build credit!?!?!?

And I don't have a father and my mom is ina lot of debt, nobody can co-sign for me.
:[

Answer
I KNOW IT'S LONG, BUT HOPEFULLY YOU READ IT!

First of all, Congrats on turning 18! You have officially been introduced to adulthood.... which includes the wonderful world of credit! (haha sarcasm!)

Credit is very complicated, especially with the way that the economy is (unfortunately banks are so weary to hand out loans that even people with great credit are having a hard time getting approved). The best way to build credit is to start small and to manage it well, before aiming high at big loans and high credit card limits.

First, it's best to start off applying for a credit card if you don't have anyone to help you get a loan. Loans are the best way to build credit, but it's unlikely they will give you one without the help of someone who has credit. BEWARE OF PLACES THAT TELL YOU OTHERWISE BECAUSE THEY LIKELY HAVE A CATCH, LIKE A VERY HIGH INTEREST RATE. I would recommend doing a little comparison shopping to find the best card for you, although most of the time the best place to apply for cards and loans is your bank. You have to be VERY careful of interest rates, because that is where most people get in extremely deep. You should only charge what you can afford to pay off in a few paychecks. If you are looking at a loan for school, check out some of the loans that they offer with the school since you'll have a better chance of getting approved there.

HERE IS SOME INFORMATION THAT MY BANK GAVE ME:

**WHAT MAKES UP THE SCORE?
35% = based on payment history (paying on time or
delinquencies) with more weight on current payment
history.
30% = capacity on revolving debt
15% = length of credit
10% = accumulation of debt in last 12-18 months. Number of
inquiries and opening dates impact this.
10% = mix of credit
Installment debt raises vs. revolving debt lowers
# of finance companies loans – the more the lower the
score

**WHAT HURTS THE SCORE?
-Missing payments (it can take 24-months to restore credit
with one late pay)
-Credit cards at capacity (maxed out)
-Closing credit cards out (lowers available capacity)
-Shopping for credit excessively
-Opening up numerous trades in a short period of time
-More revolving loans in relation to installment loans
-Borrowing from finance companies

**WHAT DOESN'T AFFECT YOUR SCORE?
-Debt ratio
-Income
-Length of residence
-Length of employment

**HOW TO IMPROVE THE SCORE?
-Pay down on credit cards
-Do not close credit cards because capacity will decrease
(but do not use them)
-Make payments on time (older late pays will become less
significant with time)
-Slow down on opening accounts
-Acquire a solid credit history with years of experience
-Move revolving debt to installment debt
-Move finance company loans to your credit union

SORRY THIS WAS SO LONG, CREDIT IS COMPLICATED! I sincerely hope this helped because I was in your shoes a while back. If you have more questions, try talking to a loan officer at your bank. Even if they can't approve you for a loan, they can give you advise.

Good luck,
Tiana