Eager to get a credit card? Don’t really like the idea of having to wait for far too long to receive it, though? Well, perhaps there is a solution for that, something you can do so as to receive the card as soon as possible, while also not having to go through a rather exhausting application process. Something that will allow you to start enjoying the money you are after as soon as possible.
Is there such a possibility, though? Ever heard of the kredittkort på dagen option, that is, the option of getting a same day credit card with your BankID? If you’ve never heard of this before, you probably have mixed feelings about it. First, it sounds extremely appealing, as it solves the problem of waiting that you don’t quite like. And then, it also sounds almost too good to be true.
I get it. Really, I do. Not used to getting such easy and quick financial solutions, no wonder you’re doubting the very existence of this concept. Yet, it is quite real, and while you do have to understand in more details how it works, as well as figure out what to do so as to actually get your same day credit card, the bottom line that this is a possibility you can go for.
When you visit kredittkortinfo.no/kredittkort-på-dagen/, you’ll absolutely get a better understanding about how it all works, realizing that you don’t have to wait for far too long to get access to the money you want. When you continue reading, though, you’ll get a set of useful tips that will lead you towards getting the right same day credit card for you with BankID. So, if you’re ready to do this and if you have realized how much you can benefit from that quick process, learning how to go through it the right way should be your next step. And a very important one, so be attentive and read carefully.
1. First, Understand the Meaning of “Same Day” in This Context
First and foremost, you need to understand what the “same day” term refers to in this particular concept, so as not to get disappointed afterwards, due to having some unrealistic expectations. Can you really expect any financial institution to have your card made and delivered to you all in a couple of hours? Well, no. That’s what we call unrealistic expectations.
What you can expect, though, is for the right provider to approve you on the same day you apply, as well as to provide you with access to the funds you need, through their online banking platforms or similar channels. So, the “same day” term refers to the process of getting your application assessed and approved, or rejected for that matter, which is in itself a big deal, because you won’t have to go through a waiting period to find out if your application has been accepted. Thanks to automation, the assessment process won’t last a long time, and you’ll get your answer as soon as possible.
2. So, You’ll Have to Wait for the Physical Card to Arrive
You’ll still have to wait for the physical card to arrive to your address, though. We’ve made it clear that expecting to have it delivered on the same day is unrealistic. Depending on the credit card company you choose, you could receive the physical card in as little as 3 or 4 business days. Of course, waiting for a bit longer, usually up to two weeks, is also rather normal, so be patient.
3. Recognize the Role Your Credit Score Plays Here
Applying for one of these financial tools without even realizing the role your credit score plays in the process could definitely get you rejected. The software piece that will be doing the assessment of your application will certainly take your credit score into account, and if it is too low, you won’t qualify for the card you want to get. Sure, that depends on the criteria that the provider has set, but most of them will want you to have a good score so as to approve you. Thus, working on it as much as you can and taking all the important steps towards improving it before filing any applications whatsoever is of crucial importance.
4. And Make Sure You Don’t Have a Payment Notice
Do you have a payment notice to your name? If yes, that’s a clear sign your application will be rejected. In fact, this is one of the most common reasons for getting rejected, because you don’t seem creditworthy and reliable when you have a payment notice, and the software will refuse you right away. Of course, some other reasons for rejection do exist, and if you can’t pinpoint the cause of getting refused, you should inquire about it, then try to resolve the problem, which you’ll be able to do quickly if it is just a minor issue, and apply all over again.
5. Research Different Credit Card Companies
Having worked on your credit score and your financial situation in general, you’ll now have to start searching for the credit card companies that offer these same day solutions. Most of them do, as long as you have your BankID ready, but the point is not for you to randomly select one of them and go through with the application. Instead, what you have to do is research those in more details, check their levels of experience, their reputation and their specific offers, all the time aiming at comparing the info and figuring out which companies could be great to work with and which ones you may want to avoid. Take as much time as you need to complete the research process, because rushing into things can lead to a lot of regrets afterwards.
6. And Explore Their Cards in More Details
Apart from checking the experience levels and the reputation of the companies, you should also explore the actual cards in more details. Do you know what you want the card to be able to do for you? Will you be using it while traveling, for example? Knowing the purpose of this financial instrument will help you select the best one for you, as well as eliminate and unsuitable ones from the list before proceeding to applying. All of us have different needs and requirements, so we won’t all benefit from the same card type.
7. Check the Benefits and Rewards
While exploring those types, though, you shouldn’t focus solely on the types. You should also check the benefits and the rewards offered, so as to determine which ones would work perfectly for you. Cashback, miles, points… Those are just some of the rewards and benefits you can expect to get from different credit card solutions, and it is up to you to decide which ones are best for your particular financial situation and for your spending habits, so that you can make a wise choice.
8. As Well As the Interest Rates and Fees
A wise choice is also a choice of favorable interest rates. Checking those out, thus, is also of crucial significance. And so is checking any other fees that the companies may charge for using their credit card. Essentially, by doing this, you’re checking whether the card is expensive or reasonably priced.
9. Choose & Apply
After having done all the necessary research, there won’t be much else left to do. Basically, you just have to make the final decision and apply for the actual financial tool you want to use. Remember, you’ll get approved on the same day, and you’ll get access to the funds on the same day. Yet, you’ll need to wait for a few days to receive the physical card. It won’t be a long wait, though, so that’s a plus.
