How Long Does It Take To Get a Credit Card? Tips to Get It Faster

– How Long Does It Take To Get a Credit Card? –

How Long Does It Take To Get a Credit Card? Over the years the application for a credit card has become increasingly easy. You can apply online for most credit cards, and often know if you were accepted within minutes. However, the real credit card will take some time to arrive for you.

How Long Does It Take To Get a Credit Card?

Although card issuers will differ, 10 business days is the longest you’ll have to wait to get your new card. However, in some cases, you will receive the card sooner, and you may even be able to request to have the card expedited. Hold on reading to see how some of the major card issuers handle receiving your card.

What Credit Card Issuers Consider Before Approving Applications  

What factors do companies weigh when evaluating new loan applications? We do think about your credit score for one thing. Usually, credit card issuers have at least one regional credit reporting agency to review the credit ratings of applicants. In general, the higher your ranking, the more easily your application is accepted.

Often, the debt-to-credit ratio (often known as the credit utilization ratio) plays a major role in approval. The percentage is how much credit you used compared to the usable line of credit. This ratio is around 30 percent impacting your credit score. Maxing out some of your wallet’s credit cards or coming close to your credit limit can make you look like a risky borrower.

Credit card issuers also test if there are any overdue accounts and recent hard inquiries from the applicants. Delinquencies appear on your credit report in a short amount of time due to a history of late payments or too many requests for credit. With delicacies on your paper, you’ll probably see your approval odds falling.


Major Issuers and How Long it should Take

  • American Express: With most cards, you’ll get the physical card within 7-10 business days. However, that timeline is shortened to 2-3 days for Platinum credit cards. In some cases, you can get instant access to your card number so you can start using it immediately. Just keep in mind that you may not have access to your full credit limit until you receive your card in the mail and activate it.
  • Bank of America: You’ll receive your card in the mail within 10 business days. Bank of America does not offer to expedite delivery.
  • Barclays: Standard delivery is 7-10 days. But if you need it sooner, you can request next-day delivery for a $15 fee.
  • Capital One: In most cases, you’ll get your card within 7-10 business days. You can request expedited shipping if you need the card sooner, but the decision to do so is made on a case-by-case basis, and there’s no guarantee.
  • Chase: You can expect to receive your card within 3-5 business days, and the card issuer may expedite delivery upon request.
  • Citi: You’ll receive your card within 7-10 business days. If you need it sooner, you’ll be out of luck because there’s no option to expedite.
  • Discover: The bank will deliver your card within 5-7 calendar days. There is no way to get the card sooner than that.
  • S. Bank: Standard delivery for new cards is 7-10 business days, and there’s no option to expedite the process if you need the card sooner.
  • Wells Fargo: You can expect to receive the card within 5-7 business days. Wells Fargo does not offer expedited delivery.

What to Do If Your Credit Card Is Taking Longer Than Expected


While applying for a new credit card, it is crucial to ensure that you allow yourself ample time to get your application accepted and that your card arrives. While you may be approved instantly and have your card in a week’s time, it is also possible that your approval may take much longer.

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It really just depends on whether you need additional details to process your query. After that, you might expect the card to arrive for up to another two weeks. While you can’t really dictate the timeframe for a credit card being processed, approved, and delivered, there are a few things you can do to get your credit card access faster.

Request the Card be Expedited

Once your credit card has been approved you may request expedited shipping. Most card issuers will let you do that, although they will probably charge you. Nevertheless, there are other card issuers providing expedited services for free.

Check-in at a Physical Location

If your card fails to arrive as quickly as you had hoped, you can check in at a physical branch with a representative. Although you might not be able to get your card any quicker, the progress of the card will be tracked by a representative. And in the case of replacement cards, temporary cards may be issued from certain physical locations.

Track the Card

Using a tracking number you can track the progress of your credit card online or by phone. Many card issuers have lines dedicated for tracking the progress of a new credit card. If not, you should call the general customer service line to check with an agent about when the card was sent and its approximate time of arrival.

You can also search your account online by logging in. While this does not make your card arrive any sooner, it will give you an idea of when you will have to use your card for transactions.

Get an Instant Card Number

Some issuers will on approval offer you access to your card number. This means you can use the number anywhere a physical card is not currently required for transactions. You can need to download an app to make an instant card number available. And instant card numbers may not qualify for all of the issuer’s credit card offerings.

Call your Issuer

If it’s been two weeks and you really need to get your new passport, then it’s time to contact your issuer. Then, the Card could have been lost or stolen.

It is best to have your issuer cancel that card and issue a new one to you as a precaution. This will mean a little more waiting time but it will help ensure that your account information is safe for the long term.

It doesn’t take long to get a credit card nowadays. Consumers can get a card approved instantly or in a few weeks ‘ time. You’ll get your card in the mail within 7 to 10 business days at the latest. But you’re definitely going to obtain this much earlier.

When you don’t have much time on your hands, it is best to stop waiting to apply for a credit card until the last minute. Almost every card issuer provides fast delivery for new credit cards.

In the worst-case scenario, your credit card firm may agree to provide you with a temporary credit card number that you can use while waiting for your card to appear.

We hope this article was useful and educative, do well to share these messages with friends and loved ones. If you have a question, kindly drop your comments below.

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