Applying for credit cards online is typically fast and easy. In fact, with instant approval credit cards you could possibly get an answer within minutes. What determines whether you are granted instant approval? When you apply for a credit card, one critical factor is your credit score and your credit history.

Are You Giving Yourself Enough Credit?

Over time, the credit history of many seniors may begin to fade away because they are no longer making payments on debts. You may think, “I have no mortgage, no car payments and no debt, so I must have great credit, right?” However, that’s not how banks, financial institutions, creditors or lenders may see it.

According to, when you don’t use credit your credit history begins to disappear.1 So even if you think you have a terrific credit history, getting instant credit card approval requires current, positive credit activity.

On the Other Hand…

Credit scores of seniors can be negatively impacted when debt builds up and credit reports reveal errors, red flags or a less-than-stellar credit history. That could lead to instant rejection instead of instant approval because the report could indicate a higher risk for banks and financial institutions.

These days, everything from renting an apartment and having the power turned on to getting a loan or applying for a credit card could require a credit check. You can check your credit report for free once a year with each of the three major credit bureaus at

Do You Need an Instant Approval Credit Card?

Whether or not you decide to apply for a credit card, keep in mind that the needs of seniors are constantly changing. Selling your home and renting an apartment, moving into an assisted living facility, loan applications and unexpected emergencies are just some of the scenarios that may require passing a credit check- even if you’re debt-free. Take the time to research the best credit cards for senior citizens before making any hasty decisions about your finances.

And now that you understand more about credit cards that may offer instant approval, learn how to ensure you apply on a secure website.

Prior to applying, you can also consider using an online preapproval tool to do research and view credit card offers that you could be approved for. While receiving a preapproved credit card offer does not necessarily guarantee that you’ll be approved for the card, completing a brief online form can help you apply more confidently. You are giving the issuer basic personal and financial information to provide a more accurate and personalized offer. This does not impact your credit in any way, but it can show you what kinds of offers you could be eligible for before you apply.

Increase Your Chances for Instant Approval

If you have good-to-excellent credit, congratulations! You stand a higher chance of receiving instant approval. However, if your credit score is too low (or non-existent) here’s how you can improve your odds of approval…

  • Pay bills on time and avoid charging more than you can pay off monthly.
  • Inactive and closed accounts in good standing don’t generally continue to impact credit scores after ten years. Active positive accounts older than six months that have been updated by creditors or lenders can lead to better credit scores.1
  • Arrange for certain bills to be charged automatically to your credit card and pay the entire bill in full by the due date every month.
  • Running up debt isn’t the objective, but building a solid credit history by making on-time payments each months while living within your means is a worthy goal.
  • Keep lines of current credit open and manage them responsibly.
  • Check your credit report and have errors corrected immediately.


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