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I was wondering, I wanted to do a little on-line shopping today. I wanted to apply for a credit card without such a large limit. My other credit card has had a couple of fraud charges on it. It happens to have a $20,000 limit, and I don’t want to send the numbers over the internet. Is there a credit card that I can use immediately if I’m approved?

[Saturday, December 24th, 2011]

First of all, most credit card issuers that will approve you for a credit card will reduce your credit limit upon your request. It is far easier to get them to reduce your credit limit than to raise it!

Second, shopping on the internet has never been safer than it is today. This is especially true,if you limit your shopping to merchants that you know and can trust, such as Amazon, Best Buy, Wal-Mart, and others. But, you also have an option to create a short-life virtual credit card number that is temporarily linked to your credit card account. This service is offered only to customers of Citibank, Discover, or Bank of America. So, if for some reason you have any doubts and are not comfortable giving away your credit card number virtual numbers will do the job!

And finally, on immediate use of a credit card, after an application was approved – there are credit card issuers that allow such instances. For example American Express, sometimes, provides a virtual credit card number that can be used for online shopping immediately after an online application was approved. However, AmEx does not disclose its policy on providing such perks. The only sure option left is to call your new credit card company and request to overnight the new credit card, which may come at an extra cost.

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AcclaimVisa.com is an independent, advertising-supported web site. AcclaimVisa.com is compensated by the credit card issuers whose offers appear on our site. This compensation can impact how and where credit products appear on our site, including, for example, the order in which they may appear within product listings. AcclaimVisa.com does not offer, review or present all available credit offers.

All the credit card information presented without warranty and can change. To confirm the terms and conditions click the "Apply Now!" button and review the current information on a secure credit card terms page. AcclaimVisa.com can be compensated by the credit card issuers when visitors apply for a credit card through this website.

* The acclaimvisa.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. acclaimvisa.com does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click "Apply" for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. All logos on the acclaimvisa.com website are property of their respective owners.

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