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If you need credit before the
holidays, then you should apply for a credit card before December. Approval is
expedited in our
instant credit
approval section, and cards normally take at least 1-2 weeks to arrive. You can
view current credit card offers by selecting a category on the left menu.
Frequently asked questions
Please read our disclaimer
about this information
What is "credit cards before
Christmas"?
Cards listed here are estimated to have the fastest approval process amongst all
other cards. We provided this page so you can rest assured that once approved
(normally within 2 minutes) you will receive your card before the holidays.
How long does it take to find out if
I am approved? In most cases,
depending on your credit record, issuers will give you a decision within 30
seconds to 2 minutes after submitting your application.
What interest rate or terms will the
issuer offer me? Applications are almost always considered on a case-by-case
basis. Your profile and credit report and/or score will help determine rates
that card issuers can issue you.
When will I receive my card?
You are in the section for expedited approval, therefore cards should be
received faster than most cases. Otherwise, please view the issuer's terms and conditions for further
information. We also estimate that if you are approved before December 6th,
you will receive your credit card before Christmas.
Is my credit report or score used in
the approval process? In almost
all cases, yes. We estimate that 95% of card issuers for major credit cards
obtain your credit report and score before considering a credit card issuance.
I do not know my score, how can I
obtain this? You can either
request your report by mail (normally does not include your FICO score) or order
a full credit report
and/or score on-line. We strongly urge every consumer to obtain a credit
report annually to ensure accuracy of data reported to the 3 major credit
bureaus, Experian, Equifax and Trans Union.
My question was not listed here, how
can I get help? Please go to
our help and general frequently asked questions or
contact customer service. If you want to
contact the issuer directly, click on "online application", then
contact the instant credit issuer.
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Credit Cards Before Christmas
