How to Use Your New Credit Card Before It's Even Delivered

Those days may be over.

Here’s how it’s possible for you to access your card without having to wait for it.

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Some issuers offer instant-use credit cards that let you make purchases with the card immediately upon approval.

These can include retail cards, balance transfer cards and rewards cards.

For example, American Express offers instant card numbers to eligible card members.

However, virtual card numbers may not be available for all Capital One cards.

This is true for American Express, Capital One, Chase, Bank of America and U.S. Bank.

Smaller banks and credit unions may be less likely to offer instant-use cards.

It can typically take anywhere from seven to 10 business days for yournew card to arrive in the mail.

Instant-use credit cards can help you access your line of credit before your physical card arrives.

But there are downsides to consider.

Don’t let the ease of an instant credit line entice you to overspend.

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