Student Credit Cards Center

Getting Approved: Can You Get Student Credit Card Instant Approval?

As a student, it is likely that you have not yet built a great deal of credit to your name. Your credit score determines your Annual Percentage Rate (APR) and how much a credit card company is willing to lend you at any given time. What few know, is that credit scores can affect speed of approval as well. “Instant Student Credit Cards” allow you to apply online, and receive instant approval in seconds via email! What’s the catch? To get student credit card instant approval, you must have good to excellent credit.

Students these days are considered a part of the “Me” generation. This is the generation that has harnessed social networking and user-generated content (UGC) through Facebook™, MySpace™, and YouTube™. One significant aspect of the Me generation, that differs from those that came before, is that you move faster and easier than others. The Internet is a tool that you have mastered, and instant returns at the click of the button have become a standard. This is why getting a instant student credit cards are a necessity for many. With student credit card instant approval, you don’t have to wait anywhere from days to weeks to hear back about your application. Also, if you don’t get approved for one card, you will know within 60 seconds, giving you enough time to apply for your second choice in student credit cards.

Since instant student credit cards are the ideal, it is important to know what steps to take when getting approved. When you first enter the world of credit, you may not even know what your credit score is. New federal laws require credit bureaus to give you one free credit report per year, which is something you can take advantage of. If you haven’t gotten your credit score yet, we suggest you visit the three credit bureaus and get your scores. This will help you better understand your chances of student credit card instant approval.

Once you know your score, here are some other steps to take when applying for an instant student credit card:

• Do not apply for more than 3 instant student credit card offers every other day.
• Every time you apply for a card, you receive an “inquiry” on your credit report. More than 3 inquiries/day can lower your score as much as 15 points!
• Make sure you put the correct address on the application – many college students put their dorm address on the application. What few know is that their social security number might be linked up with their home address instead. Check your credit report to see the last known address that is filed under your name and apply with that address.
• Double-check all of the information before hitting “submit.” One typo in your social security number can lead to an instant decline instead of student credit card instant approval.

If you follow these steps and have good to excellent credit, an instant student credit card will be right around the corner! Unfortunately you’ll have to wait on snail mail to get the card in your hands, but I’m sure that the demands of the next generation will force the credit card companies to evolve even further!