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Here’s what affects how long it takes to get approved for a credit card:
- The way you apply. You can apply for most credit cards by mail, by phone or online. If you apply by mail, that’s going to add an extra 1-7 days just for your application to get there. The other two methods both allow for instant approval.
- Your credit and income. No credit card guarantees instant approval. You’ll only get it if you exceed the issuer’s credit, income and other requirements. If you’re right on the border of qualifying, the issuer will probably take longer to consider your application. The typical wait time is 7-10 business days, which translates to around two weeks.
- Your personal info. You’ll need to enter details like your name, date of birth, address and Social Security number when you apply for any card. That information also is present on your credit reports, which the issuer will check during the approval process. If the information on your application doesn’t match the information on your report, or if it gets flagged as fraudulent, it will hold up the process until the issuer can verify your identity.
so the standard timeframe in which you can expect to be approved for a credit calling card and receive it by mail is approximately 3-4 weeks. If you ’ ra not approved immediately, count on 7-10 business days for approval and 7-10 business days for delivery. And if you ’ ra itch to get your card faster, don ’ t forget to ask the issuer about expedite delivery.