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Need a fast credit card with an 800 dollar limit to pay for hotel room next week. I don’t mind fees. I just need a card that I can charge with for the room that will go through. What card can I get that will provide me this ability?

[Friday, February 3rd, 2012]

First of all, mind your credit when deciding on a credit card to apply. Second, there are instant decision credit card applications that give you quick answer within 60 seconds when submitted online and regular credit card applications that require 30 business days to be processed. Either way, if you are approved and want to get your new credit card faster, you can ask to overnight the new credit card in order not to wait typical 7 to 10 business days, but be ready to pay for that.

In addition, there are credit card issuers that allow immediate use of a credit card after approval. For instance, American Express sometimes gives a virtual credit card number that can be used for shopping online or over the phone immediately after your online application was approved. The thing is, American Express does not reveal its policy on providing such benefits. You can call the credit card company directly and find it out. We advise you to do a little research digging into details and make up your mind.

As for your credit limit, it is your credit card issuer who will decide on it based on your credit card application.

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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.

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