How long does one have to wait for his credit card after the application? Is it better to apply for instant approval credit card?

Answered on August 04, 2010
Updated on August 04, 2010
The content is accurate at the time of publication and is subject to change.
James Williams James Williams
It can take up to 30 days to process a credit card application. If you need to get your credit card really fast, or if some of your further decisions are based on knowing your application results really quickly, you can view Instant Decision Cards on our site. Just remember that instant response should not be mixed up with guaranteed approval, you will be provided an instant response, not an instant approval. After you submit the application, your data is being checked automatically and the system sends you a fast preliminary response based on your credit score and other data your submitted. And itt may take your lender more time to make the final decision.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

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In terms of credit cards banks and credit card companies decide instantly on whether you are approved or not based on your credit information. An instant approval credit card is a credit card with an instant response. You will know whether you are approved or not in a couple of minutes or faster. However, despite the name – instant approval credit cards – the credit card issuer can still decline your application when you do not meet certain criteria. Or you won't get instant approval if a credit card issuer needs some additional information or your application requires manual check.
In general a credit card arrives within ten to fifteen days from the date of approval. So you have no reasons to worry about it as the time hasn’t run out yet. Credit card companies usually inform of the estimated date of card arrival via approval letter, also they should give you a phone number in case you have questions. If you have some doubts you can call the company about your credit card and clear up everything you wish to know.
As of today we offer instant decision credit cards aimed at bad credit. But you can browse through the credit cards targeting good to excellent credit and choose a card you like best. It can take up to 30 days to process your card application. If you are approved for the card of your choice, it will arrive in the mail in 7 to 10 business days.

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