1 · What Instant Capital is
Instant Capital is a visual reference built by World Class Tech & Design LLC (“we,” “us”) that gathers publicly available credit-card offers in one place — for your convenience — and links you to each issuer’s official application page. We are not a bank, lender, card issuer, broker, or credit-repair organization. No application is taken here and no credit decision is ever made here — everything happens on the issuer’s own site.
2 · Estimates, never promises
Tier placements and approval-likelihood estimates are informational opinions built from publicly available criteria and experience. They are not pre-approval, pre-qualification, or an offer of credit, and they guarantee nothing — every decision belongs to the issuer alone. Rates, fees, and terms change constantly; always verify current terms on the issuer’s official page before applying.
⚠️ Hard-inquiry warning — read this one. Nearly every submitted application triggers a hard inquiry, which can lower your credit score and stays on your report for up to two years. Applying for many cards in a short window compounds the damage and can turn would-be approvals into denials. Be selective — one or two well-chosen applications beat a spray of five. Where an issuer offers prequalification, use it first.
3 · Use it lawfully and honestly
You agree to use Instant Capital only for lawful purposes. You will provide truthful, accurate information on any application, apply only for yourself or with proper legal authority, and never use any card or credit obtained through links here for fraud or any other illegal activity. You are solely responsible for complying with applicable U.S. federal law and the laws of your state, including Washington State consumer-protection law.
4 · Your data stays yours
The Profile Analyzer runs entirely inside your browser. Nothing you paste or type is transmitted to, collected by, sold by, or stored on our servers.
5 · Trademarks
All bank names, card names, logos, and marks belong to their respective owners and appear for identification only. No affiliation, sponsorship, or endorsement is implied.
6 · No warranties · limitation of liability
This service is provided “as is” and “as available,” without warranties of any kind. To the fullest extent permitted by law, World Class Tech & Design LLC is not liable for issuer decisions, denied applications, credit-score changes, or any indirect, incidental, or consequential damages arising from use of this site.
7 · The fine print
You must be 18 or older to use this site. We operate from Seattle, Washington. These terms are governed by the laws of the State of Washington and applicable U.S. federal law. We may update these terms from time to time; continued use after an update is acceptance. If any provision is found unenforceable, the rest remain in force. © 2026 World Class Tech & Design LLC.