Facts about instant decision credit cards. What people need to know. There is no question that there are some pretty serious misnomers when it comes to instant approval credit cards. First off, they cannot be used immediately. Far too many people believe that while they may receive an instant decision, and in fact be approved, they can use their new credit card accounts right away. That is not the case at all. In fact, like all other credit cards, instant decision credit cards are sent to the account holders through the mail. And until the credit card is received by the account holder and proper authorization takes place, they cannot use it.

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