Insights from a Survey on Same-Day Credit Card Issuance by Kokomola

Introduction to Kokomola's Research on Same-Day Credit Cards

In today’s fast-paced world, the demand for instant solutions has led to a surge in the popularity of same-day credit card issuance. Kokomola, a renowned platform dedicated to providing comprehensive information about various products, recently conducted a survey to understand why individuals prefer immediate credit card availability. The results shed light on the factors influencing users' decisions and their experiences.

Key Reasons for Seeking Same-Day Credit Cards

According to the survey, the top three reasons consumers opted for same-day credit cards were:
1. Attractive Campaign Rewards: 36.3% of respondents indicated that enticing promotional offers played a significant role in their decision-making process.
2. Immediate Usage for Online Shopping: 18.6% wanted a credit card that could be used for online purchases, highlighting the shift towards digital transactions.
3. Desire for Essential Items: 12.9% cited an urgent need for specific items as their reason for requiring a credit card without delays.

Other notable reasons included the need for immediate payments during trips (7.3%) and the intention to start cashless transactions quickly (5.7%). Overall, the reasons reveal a clear trend toward seeking financial flexibility and convenience.

Most Popular Same-Day Credit Cards

Additionally, the survey identified several credit cards that are frequently issued on the same day, with the PayPay Card leading the pack at 23.4% of respondents. Following closely were the Epos Card at 19.8% and the Mitsui Sumitomo Card (NL) at 17.3%. This information points to consumer preferences and a growing reliance on particular card brands.

A Positive User Experience

Interestingly, when asked about drawbacks associated with same-day credit card issuance, 62.9% of participants reported not experiencing any significant disadvantages. This is encouraging for potential users, suggesting that immediate issuance does not come with considerable risks or issues. For those who did report challenges, some noted lower reward rates (12.5%) and limited credit limits (10.5%). Others found the application process to be more cumbersome than anticipated (8.9%).

Survey Methodology

Kokomola's survey was conducted via internet research using the Freezy platform. It involved responses from 248 participants, including 159 males and 89 females, who had successfully obtained a same-day credit card. The survey ran from July 30 to August 4, 2025, encompassing respondents from across the nation.

Factors Considered When Applying

Participants were also asked what they paid special attention to when applying for same-day cards. Notably, 30.2% mentioned applying through a store, while 25% did so online. The significance of ensuring all application details were accurate was highlighted by 23.4%, indicating that users are conscientious about the information they provide. A proactive approach in preparing necessary documents was also noted by 14.5% of respondents.

Conclusion and Future Implications

Kokomola's survey results underscore the growing demand for same-day credit cards, driven by both immediate needs and appealing benefits. The openness of users to share their experiences provides valuable insight for financial institutions looking to refine their services and marketing strategies. As the landscape of credit cards continues to evolve, it will be essential for providers to accommodate consumers' desires for quick access while also addressing their concerns efficiently. This ongoing dialogue between users and financial service providers is crucial for shaping a positive and responsive marketplace.