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How long does it take to qualify for a credit card through an online app?

Discussion in 'The Lounge' started by Robert79K5, Jan 26, 2006.

  1. Robert79K5

    Robert79K5 1/2 ton status

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    Can anyone who has applied for a credit card with a store online tell me how long it was before they got back to you with your acceptance and account number?

    I am going out of town next week for work for the entire week and I am thinking it is time to buy a new laptop. I paid off and cancelled all my credit cards a couple of years ago and I want to apply for a Best Buy card and put the laptop on it.

    I used to have an office depot card and I remember just walking into the store, filling out an application and instantly having an account after they checked my credit. Is it the same way when you apply online? Will I get a confirmation this afternoon if I apply today?

    Im asking because I only have a narrow window of oppertunity to get to the store and buy this thing before going out of town monday and if I cant get approved in time I will have to go to the bank and pull the money out of my savings and buy it outright.

    Thanks in advance guy/gals :crazy:
     
  2. cbbr

    cbbr 1 ton status GMOTM Winner

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    Takes about 5 minutes. Instant approval.
     
  3. dhcomp

    dhcomp 3/4 ton status Premium Member

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    Not all of them. I'm working through address verification and stuff a week or 1.5 weeks later....
     
  4. grimjaw

    grimjaw 1/2 ton status

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    Store credit cards are a bad deal. They tend to have much higher interest rates that normal cards. Best Buy and Sears were two of the worst I ever had (and closed). Check Dell, they do credit online and were not too bad.
     

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