How long does it take to get a credit card?
Times can vary depending on which application route you take, but as a general rule between 10 and 14 days is normal. Obviously, if you’ve applied by post this is likely to be the slowest route as you need to factor in postal times.
With standard credit card applications you’ll be asked a series of questions about your personal details and circumstances. This information is then reviewed by the credit card provider. If you’re applying online some providers now use instant decisions, so could find out whether you have been accepted in minutes.
During an instant decision, your details are checked automatically. This will include:
By doing these checks automatically, it could shorten the time a provider needs to retrieve your details and then make a decision.