Title: Instant Approval Credit Cards-Offers and Advice | Discover
Headings: 
1. How the Instant Approval Process Works
2. What You Need to Know Before You Apply
3. Find Out If You’re Pre-Approved Before Applying
4. Is It Safe to Apply for an Instant Approval Credit Card?
5. What Seniors Should Know About Instant Approval Credit Cards
6. Tips to Increase Your Chances of Instant Approval
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Content: Providing your personal financial information through a website can be unnerving, but credit card companies use data encryption to help keep your personal financial information safe. Keep in mind that it’s always a good idea to apply for the credit card directly through the credit card issuer’s website, and to look for additional safety notifications like a padlock or verified security badge. Always make sure the website has “https” (as opposed to just http — the “s” is for secure) at the start of the URL. 5. What Seniors Should Know About Instant Approval Credit Cards
When it comes to applying for an instant approval credit card, a good credit history is just as important for seniors as it is for other applicants. And though you may think being debt-free would be an advantage — if you’ve paid off your home and you rarely use credit, for example — lenders may not see it that way. When you don’t use credit, your credit history dwindles and credit bureaus may lack information to evaluate your creditworthiness. So even if you think you have a terrific long-term credit history, getting instant credit card approval requires current, positive credit activity. On the other hand, seniors’ credit scores can be negatively impacted when debt builds up and credit reports reveal missed payments or other red flags. That could lead to instant rejection instead of instant approval because the report could signal risk for lenders.