The Great Stress Reducer, Instant Online Approval

In my vast experience within the realm of credit – and personally debt, lots of debt – I’ve found that instant approval credit cards are pleasant to acquire. It’s similar to going to a job interview and being told by the receptionist that you can have the job.

Now this may be because of over a decade of baseball I’ve played (the decade where you learn how to play, not the decade of being able to do it as a job), but the comparison that arose in my mind, the first time I received an instant approval card, was that of a pitcher throwing the ball over the centerfield fence for you, without you ever lifting the bat from your shoulder.

Maybe that’s a stretch, but you get the idea. It’s nice. All the stress and strain and worrying that comes with the approval process normally is not present. Just a straightforward ‘yes, absolutely, you can have some credit.’

I should mention, though, that there is usually a down side to a good thing, and instant approval credit cards are no exception. If your credit is not up to the issuer’s tastes, you will be met with an equally quick ‘no.’ This can feel...