What Credit Card Will Approve Me No Matter What?

Question from the mailing list: What credit card company will approve me no matter what my credit score is?  I’m looking for one with instant approval.

There are a lot of credit cards on the market, all with different requirements. It can be tricky navigate, especially when you’re not sure if you’ll get approved. For those with less-than-stellar credit or no credit history at all, the question often arises: “What credit card will approve me no matter what?” The answer lies in instant approval store credit cards. These types of cards are often easier to get approved for and can help build your credit over time.

instant approvalUnderstanding Instant Approval Store Credit Cards

Instant approval store credit cards are exactly what they sound like – they offer immediate approval upon application. These types of cards are typically issued by retail stores and are designed to be used exclusively at those specific locations. They usually come with enticing offers like discounts on purchases, rewards programs, and even special financing options.

The primary appeal of instant approval store credit cards is their leniency towards applicants with low or no credit scores. This makes them an excellent option for individuals looking to establish or rebuild their credit history.

Benefits of Instant Approval Store Credit Cards

  1. Build credit: One significant advantage of instant approval store credit cards is that they provide an opportunity to build or repair your credit score. By making regular on-time payments and keeping your balance low, you can demonstrate responsible financial behavior which will reflect positively on your credit report.  Not all of these companies will report your purchases to the credit reporting agencies. But you can easily fix this by self reporting your activity directly to the agencies.
  2. Rewards and discounts:  Many retailers offer special incentives such as cash back, points redeemable for merchandise, or exclusive sales events only available to cardholders. This could result in substantial savings if you frequently shop at the issuing retailer.
  3. Immediate purchasing power: You can start shopping right away once approved, often using a temporary card number if the physical card isn’t available yet.
  4. Promotional financing options: These cards often come with promotional financing options, such as 0% interest for a certain period, allowing you to pay off larger purchases over time without incurring interest.
  5. Special Perks and Benefits: Cardholders may receive additional perks, such as free shipping, early access to sales, and exclusive cardholder events, enhancing the overall shopping experience.

Potential Drawbacks of Instant Approval Store Credit Cards

  1. Read the fine print.  Not all instant approval credit cards offer guaranteed approval. read the fine print when applying for an instant approval credit card There are numerous credit cards that will give you instant approval, but they still have credit score requirements.  So read the offer carefully.  Look and see if there are any credit score requirements before you apply.   We made a list of guaranteed approval credit cards that don’t require credit check here. 
  2. High interest rates: These types of cards often come with high interest rates compared to traditional bank-issued cards. If you carry a balance from month to month, the interest charges could quickly negate any rewards or discounts you’ve earned.  But if you are someone with a low credit score, you are probably used to high interest rates.  Just remember this is a temporary thing!  If you work on it, you can improve your credit score.  And these cards can help you to reach that goal.
  3. Low credit limits: the credit limit on these cards is typically lower than other types of credit cards. This means that if you’re not careful, you could easily max out your card, which can negatively impact your credit utilization ratio and subsequently your credit score.
  4. Security deposit: if you have some money that you can use as a deposit.  A secured credit card is a great way to start rebuilding credit.  But in this economy, I’ve found a lot of our readers don’t have the spare cash available to put down as a security deposit.  So again, read the application carefully so that you know if this is a guaranteed approval credit card with a security deposit, or if its an unsecured one.

Choosing the Right Instant Approval Store Credit Card

When deciding on an instant approval store credit card, it’s crucial to consider where you frequently shop. Choose a card from a retailer where you spend money regularly to maximize the benefits.

approved for instant approval credit cardAlso, read the fine print carefully. Understand the interest rate, any potential fees, and how the rewards program works before applying.

Final Thoughts

While there may not be a “one-size-fits-all” answer to “What credit card will approve me no matter what?”, instant approval store credit cards are certainly worth considering. They offer an opportunity for those with low or no credit history to build their scores while enjoying perks like discounts and rewards.

However, it’s essential to use these cards responsibly. Make sure to pay off your balance in full each month to avoid high-interest charges and keep your spending under control so as not to max out your card.

Remember that while these cards can be easier to get approved for, they should be used as a stepping stone towards achieving better financial health and eventually qualifying for traditional bank-issued credit cards with lower interest rates and higher limits.

Elizabeth Roberts

Elizabeth Roberts

Liz Roberts and her team are continuously providing information to people who are ready to repair their credit and improve their credit score. Also NewHorizon.org team strives to empower the homebased and small business owners by bringing information that can help them to manage and grow their businesses. Let our 24+ years of business finance experience help you to get the financing you need! CONTACT US if need financing for your business.

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NewHorizon.org is an independent, advertising supported website. The owner of the site may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. NewHorizon.org has not reviewed all available credit card offers in the marketplace.

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NHBS Inc © 2022

NewHorizon.org is an independent, advertising supported website. The owner of the site may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. NewHorizon.org has not reviewed all available credit card offers in the marketplace.

Privacy Policy Terms of Use

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