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i am curious, as i am looking for earliest that one could apply for a card online and get instant approval. was it 1996, or 1995 or even earlier than that?
* ponders whether the interwebbles was even up and running, at least for commercial stuff *
@haulingthescoreup wrote:* ponders whether the interwebbles was even up and running, at least for commercial stuff *
Ah.... the Internet of the mid-90s... I actually was online and remember those days!
Yes, the net was around in 1995-96, but ecommerce had not yet hit the scene. Websites were static and strictly informational rather than dynamic and interactive; all that was provided was information about a company. It wasn't until the late 90s that sites began taking apps online and granting instant approvals.
I remember one of the hottest sites on the net circa 1994-95 was "The Really Big Button That Doesn't Do Anything." It was a site that was exactly like the name... it consisted of a really big button, you could click on it, and it didn't do anything. And yet it was very exciting at the time! A really big button! And it was there for the clicking! Wow!!! -- Oh, how far things have come. On second thought, maybe things haven't come that far; Cap1 has just such a button. However, they label it as "Modify Your Features."
@scottwagnon wrote:i am curious, as i am looking for earliest that one could apply for a card online and get instant approval. was it 1996, or 1995 or even earlier than that?
I applied and was approved for an Applied Bank Card online back in late 1997, and Merrick Bank in mid 1999.
Edited to correct: I'm sure that I got the Applied Card Bank CC in 97, because I checked the date on my reports. But as I've had a chance to think about it, I can't say for certain that the approval was online. I know that the 1999 Merrick Bank card was, but I think that one may have been the earliest online app that I had. And Providian was an instant online approval for certain, in 2000.
@tinuviel wrote:
@haulingthescoreup wrote:* ponders whether the interwebbles was even up and running, at least for commercial stuff *
Ah.... the Internet of the mid-90s... I actually was online and remember those days!
Yes, the net was around in 1995-96, but ecommerce had not yet hit the scene. Websites were static and strictly informational rather than dynamic and interactive; all that was provided was information about a company. It wasn't until the late 90s that sites began taking apps online and granting instant approvals.
I remember one of the hottest sites on the net circa 1994-95 was "The Really Big Button That Doesn't Do Anything." It was a site that was exactly like the name... it consisted of a really big button, you could click on it, and it didn't do anything. And yet it was very exciting at the time! A really big button! And it was there for the clicking! Wow!!! -- Oh, how far things have come. On second thought, maybe things haven't come that far; Cap1 has just such a button. However, they label it as "Modify Your Features."
HAHAHAHAHAHAHAHAHAHAHA tinuviel THAT WAS GOOD!!!
I actually tried that stupid cr@p today and didn't do anything for me!!!
it was this commercial that inspired the curiosity
discover card -- SMART MOVE! http://youtu.be/htzzSapAYXA
I was in college at the time, and opened my first cards starting in '95-'97, but I remember applying on campus via a clipboard in exchange for free t-shirts, plastic steins, and the occasional necessary pen before class.
ETA...I don't remember any online apps or access.