What is an instant credit card approval or instant decision?

Certain credit cards offer instant response (or instant decision), otherwise known as instant approval, to people applying for the card.  With these credit card offers, you should be able to find out if you have been approved for that particular credit card or not in a matter of minutes. These instant approvals are most frequently done with an application for a credit card online

However, certain circumstances do occasionally arise in which the credit card companies will need more time to determine if you are approved for the specific credit card or not.

It is not guaranteed that you will receive an instant decision with these credit cards. However, these credit cards do offer this feature in most cases.