How Long Does It Take To Get A Credit Card
There is no single answer to the question how long does it take to get a credit card. The application and approval process varies considerably dependent upon a host of different factors. There is a three step process that would need to be undertaken and completed before you can start to use a card to make purchases. The following information outlines the basic stages of this process.
The first step is the most nerve-wracking and potentially time consuming. Making an application and gaining approval can take a considerable amount of time. If like most people, your standard of living is directly linked to your access to financial services, waiting for approval to be given can be an extremely anxious period.
How much time is required for an application to be accepted is hard to give clear guidance on. As the issuer would want to examine your credit report, it depends upon how streamlined their processes actually are. It would be almost impossible to be granted approval in the space of just a couple of days. Realistically you should expect to have to wait at least a week or perhaps even ten days before being notified whether your application has got the green light. Understand that the eligibility criteria do vary slightly between issuing agencies.
Getting Everything Approved - How Long Does It Take To Get A Credit Card
Once you have been approved, there can still be some waiting time for the delivery to take place. The time between approval and delivery varies dependent upon creditor. Thankfully, when you are notified that you application has been approved, the creditor should provide you with a clear estimate as to when you can expect to take delivery.
The third and final stage is the activation. This is the simplest step and one that usually requires no more than a phone call to the issuing agency. You would just need to ring up the phone number provider, provide your details, and request for the card to be activated the very same day.
You should now have a batter idea of the answer to the question how long does it take to get a credit card. What is important to remember is that even if you are approved with little delay, you should ensure that you use your new found access to credit carefully. Far too many spend like crazy when they are first issued a new card, only to then find it hard to pay their bills on time each month. Don’t go through the length of asking “how long does it take to get a credit card” and ruin your credit record.