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How long does it take to get a credit card? This time differs depending on applying for a credit card online or in person. Although some credit cards provide instant approval and use, this is not always the case – and you may run into issues that slow down the process. Hanfincal guides you through determining how long you should wait for your credit card.

1. How long does it take to get a credit card?

It takes about 7 to 14 business days to get a credit card, to be specific:

  • It takes more than 60 seconds for the application to be approved.
  • It takes 7 to 10 business days to get a credit card in the mail.
  • It takes about 7 business days to get a replacement credit card.

2. How to get your credit card faster?

There are 4 ways to get your credit card faster:

  • Get instant access.
  • Get pre-approved.
  • Expedited shipping.
  • Go digital.
How to get your credit card faster?

How to get your credit card faster?

2.1. Get instant access

It may take time to receive your credit card via email, but you can use it as soon as approved by your card issuers. While waiting for the physical card to arrive in the mail, the new cardholder can begin purchasing online or over the phone.

2.2. Get pre-approved

Consider pre-approval if you need a credit card in an emergency to alleviate your financial troubles. Credit card offers are pre-approved offers from card issuers who have determined that you meet their qualification criteria. Moreover, you can also apply for pre-approval on the card issuer’s website by providing some basic information.

Card issuers perform a light inquiry on your credit report to prequalify you, not affecting your credit score. Pre-approval does not guarantee final approval; it indicates that you have completed the premise step and are more likely to be approved. When submitting a credit application, the issuer considers factors not considered during prequalification, such as income. It conducts a hard inquiry on your credit report, which can temporarily lower your credit score by a few points.

2.3. Expedited shipping

You can pack and ship because a credit card takes 7-10 days to arrive from the credit card company to your hand. This will assist you in shortening the post-approval shipping time rather than the approval time. If you choose expedited shipping, you may be able to get your card in the mail sooner. This way is not a cost-saving suggestion for you. You can use it if you need to use your card as quickly as possible while saving time.

2.4. Go digital

In today’s digital and technological age, this is undeniable. Many issuers gradually replaced traditional methods of deploying everything online, particularly during the recent Covid-19 pandemic. With internet access, you can make various purchases from the comfort of your own home without the need for a physical credit card. Many card issuers provide their customers with a credit card number that can be used for online purchases immediately after accepting an applicant for a new credit card. These credit card numbers can be saved in digital wallets as well.

3. What happens if your credit card application is denied?

If your application is rejected, the lender will send you a letter explaining why. The Federal Trade Commission requires that the issuer inform you of the credit report based on its decision. If your credit scores were considered part of the decision, you would be notified. You will be able to obtain a free credit report to review the information and, if necessary, dispute it.

What happens if your credit card application is denied?

What happens if your credit card application is denied?

If your primary reason is a low credit score, which prevents you from meeting the issuer’s requirements, don’t worry; there is an incredible option that can help. These scores are entirely free. Do you wish to accept it?


4. What to do if the credit card doesn’t arrive?

In case you don’t get your credit card within 30 days after approval, contact support by phone or online. Some issuers now provide an online status check that expectant account holders can use to get more information.

When contacting your issuer’s customer service, keep the following in mind:

  • Please double-check your address.
  • Consult with the shipping company. If your card was lost or stolen, inquire whether the next shipment can be rushed. There could be a fee.
  • Find the nearest branch of this issuer to request a temporary card.

Getting a credit card can be an excellent way to build credit while also earning rewards on purchases. It doesn’t take long these days to obtain one. We hope you can find the answer to the question “How long does it take to get a credit card?” in this article. Visit Hanfincal to learn more about credit cards and other topics.

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