Immediate use credit cards

[ShawndaPeabody11]

What type of credit do you need to get approved for an immediate use credit card?

[Remod07]

Store cards that I know of.

[shifter]

Yep only store cards

 

let you sign up at the register

 

and checkout immediately.

 

Never happens with regular CCs.

[donuteric]

Ebates? Assuming the temp credit line can be used immediately upon approval.

[fury1995]

Also cobranded Visa/Mastercards will (Chase Amazon, Orbitz Visa etc) but only to complete that purchase.

[TheScholar]

Yep only store cards

 

let you sign up at the register

 

and checkout immediately.

 

Never happens with regular CCs.

Well now

 

That's not true

 

Many co-branded cards

 

Like airline and hotel cards

 

Will let you use at least part

 

Of your limit

 

To book tickets or hotels with them

 

The same way a store

 

Will let you make purchases

 

In their store

 

With your new card.

 

[Konrad2012]

Yep only store cards

let you sign up at the register

and checkout immediately.

Never happens with regular CCs.

Costco printed out my Amex approval instantly so I could use it immediately.

[TheSorceressKnight]

What type of credit do you need to get approved for an immediate use credit card?

Other than the ones mentioned, the only one I know of is Chase Amazon Visa.

[tabcola]

Cabela's issues the physical Visa card in the store. I got mine with a $10000 limit in less than 5 min.

[fury1995]

Sams Club printed a temp Mastercard (with picture) in store also. Barclay has a Visa from Williams and Sonoma that could be used online right away. There are other banks.

[cv91915]

What type of credit do you need to get approved for an immediate use credit card?

 

Did anyone read OP's question?

[Konrad2012]

 

Yep only store cards

let you sign up at the register

and checkout immediately.

Never happens with regular CCs.

Costco printed out my Amex approval instantly so I could use it immediately.

707 EX

[fury1995]

You're right cv. Didn't read it that way. I guess the response should have been questions not answers.

[shifter]

Did anyone read OP's question?

yes, but it made no sense.

 

so I changed the question

 

and answered that one.

[JonE]

Walmart you can immediately use inside the store or on Walmart.com. My TU was 625 at that time. Amazon same way (there's no physical card there, just the account which is available immediately after approval).

[mk_378]

The OP's question was whether one would need better credit to get a card that allows immediate use versus one that has to be received in the mail before it can be used, and the answer is no. The requirements are about the same. Among "immediate use" cards, there are a large variety in the market across a range of qualification requirements, similar to cards without immediate use potential.

[cv91915]

The OP's question was whether one would need better credit to get a card that allows immediate use versus one that has to be received in the mail before it can be used, and the answer is no. The requirements are about the same. Among "immediate use" cards, there are a large variety in the market across a range of qualification requirements, similar to cards without immediate use potential.

No, that wasn't the question.

[Remod07]

Sorry I misread the question. Depends on the credit criteria the creditor wants. Depends on your scores and reports of whether you should be applying for any at all.

[Konrad2012]

I gave them an example of an immediate use card. One they could be used for food, medicine, tires, computers etc. Costco Amex fits the bill, and is NOT a store card.

 

Creditpulls is the real database, and everyone's profile is unique.

[bobgcc]

USAA gives you the card number right away for use. Although, they do limit you to $1000 until you actually have the card in hand (at least they did for me, online instant approval).

[ubercat]

I recently apped for an Ebates card, was instantly approved for 1k (which is apparently a standard for Ebates), and the score at the time was 754.

 

That's my only experience with immediate use cards. 754 TU.

[popamode72]

I recently apped for an Ebates card, was instantly approved for 1k (which is apparently a standard for Ebates), and the score at the time was 754.

 

That's my only experience with immediate use cards. 754 TU.

That was the initial limit I got too for immediate use on the website and then when checking my CRs, the actual limit on the card turned out to be 5k.

Edited December 26, 2014 by popamode72

[HoustonLynne]

 

I recently apped for an Ebates card, was instantly approved for 1k (which is apparently a standard for Ebates), and the score at the time was 754.

 

That's my only experience with immediate use cards. 754 TU.

That was the initial limit I got too for immediate use on the website and then when checking my CRs, the actual limit on the card turned out to be 5k.

 

Yup. Here's the 411 from my approval: http://creditboards.com/forums/index.php?showtopic=523039&p=5084814

[shifter]

Same thing happened to me at the BR store.

 

They cap your immediate usage at 1k.

[PotO]

Yep only store cards

let you sign up at the register

and checkout immediately.

Never happens with regular CCs.

It happens with USAA.