How Long Does It Take to Get a Credit Card?

Once you’re approved for a new credit card, it takes seven to 10 business days to arrive in most cases. Some providers offer express service for a fee if you need your card faster, however, and some banks will virtual credit card number which you can use once you have been accepted. The best way to get your card as soon as possible is to provide all the requested documents with your application. Here’s everything you need to know about how to apply, how to get approved and how long to wait before using your new card.

How long does it take to get a credit card?

When apply for a new credit card, the lender will verify your identity and review your credit history. If completed online, the application and approval process should only take a few minutes.

If you are approved, it can take up to seven business days for your new card to arrive, but it can take up to 14 business days. If you need it faster, some card issuers offer expedited services for a fee.

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However, some types of credit cards can only be used on the day you apply. For example, you can apply in general retail store credit card at the store, and the new cardholder can use the card the same day to make a purchase. Likewise, if the card issuer has a local branch, you may be able to get a temporary card to use right away.

How to apply for a credit card

Applying for a credit card is as simple as filling out an online form. Most credit card issuers ask for your personal information, including your full legal name, social security number or individual tax number, address email address, annual income, employment status and housing costs. Some providers may ask for your employer’s phone number or tax documents if you are self-employed. You can also apply by phone or email, but it may take longer.

What is instant approval?

Instant credit card approval can mean a few things, depending on the provider. For example, if you were approved right away, it might mean that not only do you know you’ve been approved, but you also have access to your account number, as well as your credit card number.

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However, this is not always the case. In some cases, you’ll know you’ve been approved for a credit card, but you may not be able to access your credit line. In general, instant approval is more common from major providers. But you may have better luck finding instant access to a full credit line from smaller lenders.

What is preapproval?

Credit card pre-approval is when the card issuer runs a soft credit check to see which card you might be eligible for. Pre-approval can be done online in a few minutes on the provider’s website and you can apply immediately once you have been pre-approved. In just a few minutes, you can avoid bad credit by avoiding formal applications that are not acceptable.

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How to get a replacement credit card

If you lose your credit card, it is important to contact your credit card company immediately. Let them know the situation, and they will suspend your card. They should send you a replacement card as soon as possible. This may take up to a week, depending on the situation.

The bottom line

It may take up to two weeks for your new credit card to arrive, but you may be able to request faster service. You can also choose a card that provides instant access to your account. Either way, applying for a credit card is as simple as taking a few minutes to fill out an online form.

The editorial content on this page is based solely on the author’s independent and independent assessment and is not influenced by advertising or partnerships. Not provided or ordered by third parties. However, we may receive compensation when you click on links to products or services offered by our partners.


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