If you have bad credit and have been turned down for an unsecured credit card, you can get a secured card or an unsecured merchandise card with instant approval
About guaranteed credit cards - Author: Credit Federal
Credit cards that offer guaranteed approval generally fall into two types 1) Stored value cards or 2) Shopping cards.
Guaranteed approval, stored value cards: These are credit cards in which you load funds into the account to pre-pay for any purchases made using the card. They are similar to bank debit cards, and can be useful to limit spending and avoid high interest charges associated with a standard, unsecured credit card.
Instant approval shopping cards: These cards allow you to make purchases, on credit, from a select catalog or online store. These are similar to retail credit cards, such as those offered by Sears, Home Depot, etc. Although the card can only be used for making purchases at only one resource, it nonetheless offers unsecured credit, meaning you do not have to pre-pay. For some purchases; however, that are a high dollar value, the issuer may require a partial pre-payment, but will extend credit for the remaining balance.
With an unsecured line of credit, even bad credit people have the ability to make purchases and repay on a monthly payment plan. As long as you are not currently in bankruptcy, and if you have a source of income and are a U.S. resident residing in the U.S., you already qualify for Shopping Platinum Credit Card. (See application Terms and details for qualifications).
Wish you could get an instant approval credit card? Now you can! Choose your *guaranteed credit card above and *see website for terms and conditions.
Search our free credit help resources and apply for financial services. The credit crisis may have prompted stricter credit card company and loan lender approval standards, but poor credit people can still find bad credit financing.
