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How long does it take to get a credit card?

How long does it take to get a credit card? In this age of online applications and near-instant approvals, the question doesn't come up as frequently as it once did. The average Visa® or Mastercard® may be approved in minutes and shipped within days, provided you meet the credit criteria.

Specialty credit cards and high-end cards that require a higher credit score may take longer. Specialty cards, like business or student cards, are designed for people with very specific credit needs, as well as high-end cards, so this approval process could take longer to ensure that the potential cardmember qualifies. A manual review of your application may be required. In some cases, additional information, including proof of income, could be requested before final approval is granted.

How long does it take to get approved for a credit card?

The key to a fast approval is to make sure your credit history is in good shape before applying. Quick credit card approvals typically take place when your application is completely filled out and your credit score is sufficient to qualify. Do some research first and make sure you fit the criteria for approval.

An online application may be a faster way to get approved than sending a mail-in form. Either way, make sure all fields are filled out properly. Missing information could slow down the process and may require a manual review. Accurate information may speed up the approval process.

Credit card issuers are required by law to respond within 30 days, but online applications may be approved in a few minutes. If you're applying over the phone or in person and you've submitted all the correct information, you may also find out if you've been approved within a few minutes. Mail-in applications may take a few weeks.

How long does it take to receive a new credit card?

The time it'll take to receive your new card may depend on the type of card you applied for, as well as factors like potential delays with the mail. Most credit card issuers will send a new card in 10 to 14 days. If you request a special design, which some companies offer, it could take longer. You may also have an option for “rush" delivery if you pay an additional fee.

How long does it take to receive a replacement credit card?

Delivery of a replacement card, in the event that your original has been lost or stolen, is typically done within seven days. Most credit card issuers offer free expedited shipping for replacement cards, just ask. Some may charge a fee for the expedited shipping, while others don't offer the service at all.

What do I do if I haven't received a card yet?

If you've applied for a new credit card, been approved and have not received it after 10-14 business days, there are steps you can take to remedy the situation. If you're in the area, you can visit a local branch office to find out what might have gone wrong. Depending on your credit card issuer, you may be able to request a temporary card. Another option would be asking for expedited shipping, typically at a cost.

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