Instant cc decision ?

softmind82

which credit card companies giving instant decision of your application if you are applying online ?

Thanks

rh41

Citi, Egg, Cahoot, Captial One, Nationwide, LloydsTSB and Natwest
IF, Halifax BOS in some circumstances.
Hope that helps

humfer

rh41 wrote:

Citi, Egg, Cahoot, Captial One, Nationwide, LloydsTSB and Natwest
IF, Halifax BOS in some circumstances.
Hope that helps

Is that just a 'we will give you a credit card' decision or does that include the actual credit limit as well??

jay78

humfer wrote:

Is that just a 'we will give you a credit card' decision or does that include the actual credit limit as well??

Just the approval.

jimmyjim_uk

jay78 wrote:

Just the approval.

cahoot let me choose my limit and egg told me mine at the end of the application

AndyRat

Nationwide gave me the limit and the CC account number too.....I was surprised at that.

kuohu

jimmyjim_uk wrote:

cahoot let me choose my limit and egg told me mine at the end of the application

Egg Money also approved me instantly and told me the card limit at the end of the online application. (Might not be the same for others though, this is just what happened to me).

greyster

post office cc

---lee---

I think everyones experiences with instant applications can be different. I had to wait for a written decision for the PO card and with Egg Money I had to wait for an advisor to call me back and give me the 3rd degree

I would guess that if there’s anything out of the ordinary, you don’t automatically get approved by the system and your application instead goes to a human for review.

Kavanne

I applied with Nationwide a few days ago and was sent a form to sign confirming everything, but they haven't asked for proof of my income at all (except for what I filled in on the form which was just a number, I didn't provide employer name or anything). Will they do this before finalising the card?

Money-Saving-Monk

Yes I think Nationwide do send out for further information. Id be highly shocked if they did not!

Post Office I am sure give you a decision immediately with a credit limit. The credit limit I think is quite conservative compared to alot of other providers.