![]() View your FICO® Score through your OpenSky account, an easy way to stay on top of your credit Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months Get considered for a credit line increase after 6 months, with no additional deposit required OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years ![]() No credit check to apply and find out instantly if you are approved If you were turned down by unsecured and secured cards, there are cards that do not perform credit checks, both of them secured. For example, you may be able to transfer a balance or take advantage of the card's additional benefits, like hotel or airline perks. Some card benefits are accessible before you get the physical plastic in your hands. Use card benefits before the card arrives However, this can cost anywhere from $0-$30 extra. If such an option is available, take advantage of it and get your card quickly. Find a reason that’s less costly for the bank – say you‘re going to travel soon and would like to have a card with no foreign transaction fee (if that’s the case indeed).Īsk for expedited overnight shipping. If the bank asks you why you want a card, it is wise not to mention sign up bonus or incentives. It always helps to be polite, cool, and easy avoid appearing desperate. You can always call the bank line right after your application if you get an instant approval decision or not. There are several tips for speeding up the process.Īpply for the plain vanilla card, like Citi Simplicity, instead of the high-end rewards offers. Nevertheless, the card still needs at least 5-7 days to arrive in your mail. Of course, if you have excellent credit and a flawless credit history, some banks will process your application fast and will be ready to hand you the card as quickly as possible. Otherwise, regardless of what banks say about their approval process, you usually will not get your card delivered before 1-2 weeks after your application. This option can help to check if you are be pre-qualified for an offer by checking basic information such as your age, income level, and address. It helps if the bank has an online tool to check if you are pre-approved for a card. You can check our prepaid cards section with the selection of cards that are at least better than the average.Ĭhevron and Texaco gas stations use only read reviewįirst initial ‘conditional approval’ can be almost instant if you have at least a good FICO score and not many credit accounts opened. The problem with prepaid is that you do not get credit – you are still using your own money on the card. Well, it is not a credit card technically but a prepaid card. Almost anybody can apply and get a guaranteed credit card. The only type of credit cards with no credit check are prepaid cards. If you are looking for a card with 'guaranteed approval' or an ' easy approval' card offer, your options are limited to: In that situation, you will be better off with one of the 'instant approval and use' credit cards: Sometimes, you might need an instant credit decision for a purchase or an important payment. ![]() See Total Card Visa Rewards Programs Terms & Conditions for details read review *See Rates, Fees, Costs & Limitations for complete offer details No security deposit, simply pay a one-time $95 program fee to open your account.* $300 credit limit (subject to available credit)
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