Looking at instant credit cards, don't leave yet. The card issuer must send you the refund within seven business days of receiving your request. Also, if a credit balance instant credit cards remains on your account for more than six months, the card issuer must make a good faith effort to refund the credit balance.
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Unauthorized charges. Under federal law, if your is used without your authorization, you can be held liable for up to $50 per card. If you report the loss before the card is used, federal law says the card instant credit cards issuer cannot hold you responsible for any unauthorized charges.
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First of all go to a bank of your choice. Make sure they report to the same credit bureau that you are building your credit file at. Open a regular savings account there forno less than $100. Wait 3 days for the account to be posted and then go back to the same bank and ask for a $100 instant credit cards loan offering your savings account as collateral.
