How Long Does It Take to Get Approved for a Credit Card: Guide 2024

How Long Does It Take to Be Affirmed for Credit Cards?

Questioning “how long does it take to get approved for a credit card?” Being affirmed for credit cards can take several minutes. But this is possible only if you fill out an online application. In the case of requesting physical cards, it may take several days and weeks. 

Only after obtaining an email, you will find out whether your application is affirmed or not. According to federal rules, issuers need to deliver a message of your affirmation or rejection within 30 days no later than.

Accelerated card affirmations are possible. For this, your application should be entirely filled out and your score and revenue are enough to qualify without any trouble and matter. But if issuers contact you for more details, they will take longer to decision-making.

How Credit Affirmation Operates

To reveal “how long does it take to get a credit card?”, there is a need to know that when people request credit cards, issuers will spend time paying enormous attention to the definite details they present in their applications. In particular, issuers will have a careful glance at the following facets:

• Revenue details

• Score

• Credit history

• Any debt obligations (for instance, payment for housing)

• Availability of any previous credit applications

• Updated credit report

Issuers underline their affirmation procedure as confidential information. That’s why it is complicated to find out whether your application will be affirmed or rejected. As a result, it may be troublesome to respond to the “how long does it take for a credit card to arrive” question.

Pre-Affirmation as The Credit-Saving Secret Weapon

Some issuers authorize people to grant primary details and become preapproved online. This supplementary stage permits people to estimate their capability to be affirmed for cards without the need to fill out a complete application or pass a complicated inquiry on their credit report.

People can likewise attain pre-affirmed card proposals by mail. This implies that issuers have carried out a preliminary evaluation of your application to find out if you are an appropriate applicant. Although pre-affirmation is a great sign, it does not imply you will attain affirmation for the credit cards in question with a 100% guarantee.

How Long Does It Take to Receive Your Cards?

Now it is time to find out “how long does a credit card take to arrive”. This will hinge on your picked issuer and several facets beyond your governance. Let’s have a glance at the table with the approximate time to attain credit cards from large issuers:

 

In addition to these conventional cards, our LinkPay product proposes an instant virtual card that you can utilize immediately upon affirmation. It will streamline your purchasing process without the wait.

How to Get a Credit Card More Rapidly

Do you desire to attain cards as speedy as possible? Luckily, there are definite steps you can perform to accelerate the procedure and evade the “how long does it take to get a credit card” matter. Let’s consider how you can set about employing your card in the shortest possible time.

Search for Instant Affirmation

People can consider a card with “instant affirmation” to preserve time during the affirmation procedure. This variant can assist you in diminishing several days of the procedure of attaining cards. The issuer will notify you whether you are affirmed within several seconds after presenting your application.

Shift to Digitalization

If you have access to the internet, you can buy things online directly from home. The physical credit cards are not needed. After affirming an application for cards, definite issuers will grant card numbers to their clients instantly. These numbers can be likewise linked with digital wallets.

Expedited Delivery

If time matters to you, there is the capability to pay a supplementary fee for expedited delivery. How long does it take for a credit card to arrive? As a rule, conventional handling, packaging, and shipping of cards can take 7-10 days. But with expedited delivery, you will obtain your card in the mail sooner.

What to Do After You Attain Your Credit Card

After you attain your physical card, you should activate it before you can utilize its features. It is effortless to carry out an activation. You should call the number printed on the card and establish your PIN code.

At the same time, you can download the application of your picked issuer. By this, you will be able to govern your cards with ease. Within the application, you can keep track of your expenses, benefit from rewards, etc.

What Should I Do If I Haven’t Obtained Cards Yet?

Have you been affirmed for cards but did not attain them after two weeks? Reach your picked issuer for details by phone or online chat. Another variant is to talk with an expert in your local department. Finally, you can merely pick our LinkPay product. You will attain access to a virtual card instantly so you can make purchases in the flash of your eye.

What Happens If the Application is Rejected?

If your application is rejected, you will attain a notification. If you presented your application online, you would obtain a message by email. A rejection notification can involve steps you can perform to ask for reconsideration of your application. Contact your issuer to attain precise information. Another variant is to apply for other cards.

Conclusion

Responding to the “how long does it take to get approved for a credit card and obtain it” issue, the time varies and hinges on the picked issuer. It can range from several days to a couple of weeks. Being prepared with the necessary documentation and picking expedited delivery can accelerate the procedure. These actions ensure you will obtain your cards as rapidly as possible.