Applying for instant business credit cards when you have bad business or personal credit is something a lot of bad credit borrowers have been doing on a frequent basis. Technology has made it very easy with to apply on line for a bad credit-credit card. Instant online access to the application does not mean instant approval. It just means you could get an instant reply or you could have to wait up to 30 days to get a response. At least with this process you do find out immediately which method the lender will use to notify your or if they have more questions.