Even they approve on line,you still have to wait for your card,then activate.

They *want* you to use it and make it as easy as possible. Once the card is in your hands the most I’ve ever seen needed was to call the number on the card to activate it.

Have you ever thought about how many people in our country don’t have a perfect credit score? You will surely be surprised to know that over 30 million Americans have a below average credit score. Boosting your credit rating takes some work. There is no quick fix to increasing your ratings. Repairing any damage takes time, but it also does not spell doom!

So what is credit rating anyways? It is a number given to assess and reflect your creditworthiness. Your credit score will be a number valued from 300 to 850. While numerous factors can be attributed towards this rating, your payment and debt history are more important than others. Read more about it at:

No, creditors never forget. The account is more than likely on your credit report with at least one if not all three bureaus. The account can remain for a minimum of 7 years, but many creditors try to stretch that period by shifting the account to collection agencies or subsidiaries-which is illegal. I would get a copy of my credit report, a tri-merge-containing all 3 bureaus-Transunion, Equifax & Experian to see exactly what is reporting. The report will provide you with any relevant contact information for all creditors that are reporting. I strongly suggest that you investigate this. Poor credit costs you money in several ways-mortgage rate, credit card rates, insurance premiums, and even employment opportunities.