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What plans do you have for your credit card balance in Jan 09?

What plans do you have for your credit card balance in Jan 09?

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Home / Money / Credit Cards / Credit Card Types / Instant Decision Credit Cards

Instant Decision Credit Cards

Instant decision credit cards offer a decision at the click of a button when you apply for the credit card online.

This can prove to be advantageous if you are looking for convenience and speed when making a credit card application over the internet. Read more...>

0% Balance Transfers Typical APR
Virgin credit card

Virgin

16 Mth 0% balance transfers - 6 Mth 0% on Purchases
16 mths 16.6%
Capital One Fixed Rate credit card

Capital One Fixed Rate

8.5% on balance transfers & purchases until Aug 2012
n/a 8.5%
MBNA Platinum credit card

MBNA Platinum

0% balance transfers until February 2010
until
February 2010
15.9%

Once you have filled in an application for the instant decision card it is processed immediately and you will, in most cases, automatically be told if you have been accepted or rejected for the credit card with a message on your screen.

Instant decision credit cards are not specifically for people with poor credit histories because the application will be run through a credit reference agency and you will need to meet certain credit check requirements before you are accepted for the credit card.

Top Tips

  • Make sure you have the necessary details to hand when you apply for an instant decision credit card
  • Be sure to compare credit cards before you make your final decision as this will help you to get the best deal possible
  • If you get accepted for the instant decision card, you will be sent a credit agreement to sign and send back before you get sent your credit card

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News

January 5 set to be busiest day for Balance Transfers
January 5 set to be busiest day for Balance Transfers

05-Jan-09

Day will see more than double the number of searches for ’Balance Transfers

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