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*Guaranteed credit card with no credit check. Get an instant approval credit card with no turndown and no credit check.
* See website for Terms and Conditions
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.
Read our article about a platinum guaranteed credit card.
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There is a catch though: the card is only really applicable to those Americans who live in the Midwest/Southeast. Since the card is in conjunction with the Murphy Oil Corp. the discounted gas is only available through their gas stations, which include the El Dorado Ark. Petroleum Company, a popular supplier of gas in the Midwest/Southeast. If you live in this region, the Murphy USA Platinum Visa is a great way to save money at over 1,000 locations where Murphy controlled gas is sold, but that's not all the card offers. Choose the Murphy USA Platinum Edition® Visa® Card you like best!
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.
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.
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