Use Mercury Credit Card Instantly After Approval (2024)
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Approval for a traditional credit card often means waiting for up to 10 days before you can receive and use a physical card. Yet many card issuers are offering a way around the wait with instant-use credit cards that allow you to use your account and take advantage of cardholder benefits right away.
Instant approval is almost exactly what it sounds like: The credit card issuer provides an approval decision soon after you complete and submit your application. The issuer could approve or deny your application in seconds or minutes. Or it could ask for additional information.
Your IO card details are available immediately after a card is created, so that you can use your virtual card details before you actually have your physical card in-hand.
Before you can use a new credit card, you'll have to activate it. This usually cannot be done until you receive the card in the mail, unless you're using a virtual card. Once delivered, you'll want to open the envelope with your new credit card and follow the included instructions to activate it.
If your credit card issuer allows you to use a virtual credit card, you can use your card as soon as you're approved. If not, you'll have to wait 7-10 business days for it to arrive in the mail or pay for expedited shipping.
With U.S. Bank Instant Card ® you can extend a temporary virtual credit card to anyone in your organization, anywhere, instantly and keep your operations moving.
Not to be confused with instant approval credit cards, instant use credit cards are available to use upon approval. While you're waiting for the physical card to arrive in the mail, you may receive a virtual credit card you can use for online purchases or you could add your card information to a digital wallet.
If you open a co-branded or store credit card at checkout (online or in-store) you can begin using your card right away. You'll typically receive a temporary card number or barcode on your receipt that allows you to use the card at the retailer.
There is one card that consistently offers instant access to your card number, however: the Capital One Walmart Rewards® Mastercard®. The information for the Capital One Walmart Rewards card has been collected independently by The Points Guy.
Yes, the Mercury Credit Card is legit. The Mercury Credit Card is legit because it is issued by First Bank & Trust, an FDIC member that has an "A+" rating with the Better Business Bureau. The Mercury Credit Card also reports information to the major credit bureaus each month.
The Mercury Credit Card credit limit is reportedly around $500 to start, according to forum posts, and some cardholders report limits as high as $5,000. First Bank & Trust Company does not disclose any specific Mercury Credit Card credit limit information in the card's terms, though.
The minimum credit score an applicant will need to have good approval odds for the Mercury Credit Card is 640. That means people with fair credit or better will have a shot at getting approved for the Mercury Credit Card.
Having said that, once you're approved for the Mercury Credit Card, it should take around 7 to 10 business days to arrive by mail. If it's been longer than that but you still haven't received you card, you should call customer service at (866) 686-2158 to check on it.
For Card applications online, you can retrieve your Instant Card Number online immediately following application approval or via a link provided in your Welcome Email that you will receive shortly after you are approved.
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