With some credit cards, you don’t have to wait for a piece of plastic to arrive in the mail before making your first purchase. Many major issuers now offer ways to instantly use credit cards. The term same-day funds refers to money that can be transferred or withdrawn the same day that it is deposited. Same-day funds are subject to the net settlement of accounts between the banks that. All locations. For the convenience of our valued customers, Illinois Lending has six locations in the Chicago area and in the Quad Cities. Find your nearest location below. Contact us today or stop by one of our locations with any questions or concerns—our knowledgeable customer service representatives are always happy to help. Provided you apply online, many credit card issuers can provide same-day approval, but only a handful of companies will give you the ability to use your card the same day you’re approved. In general, you won’t be able to get your physical credit card the same day you’re approved. Wire a payment/payoff for same-day credit - posted to your account the next business day (if received before 6:00 p.m. Eastern Time utilizing the URGENT method). If submitted after 6PM ET, on a holiday, Saturday or Sunday then the payment will post effective the next business day. To locate a nearby Western Union location: Same-Day Loans for Bad Credit The biggest drawback when using a credit card to fund a big purchase is that interest charges, annual fees, and other expenses can quickly make that large purchase a gargantuan one. If you’re only looking to use the funds one time, you may be better served by applying for a loan instead of a credit card. On September 15, the Federal Reserve will start processing same-day ACH (Automated Clearing House) debits. These can originate from your credit union transactions or if you’re shopping at your local supermarket or other retailer. Others report that all Bank of America cards will sometimes get an instant card number upon approval. Barclaycard. Barclaycard does not offer instant card numbers; I’ve never seen a report for Barclaycard to offer an instant number and it probably does not exist. Credit cards can be used as soon as they are received and activated. If you get a card in the mail, you’ll call the number provided or go to the issuer’s website to activate it. In some cases, you may be able access the credit line before receiving the card. What is Same Day ACH? “Same Day ACH” is a regulatory change made effective on September 23, 2016. Same Day ACH will lead to faster money transfers between financial institutions, giving consumers access to their transferred funds more quickly.