How long does it take to receive a credit card?

greengrass

Hi

As anybody got any idea roughly how long you wait for a c.c, we are going away 4th Aug and was going to apply hoping we would have received it by then, do you think I am hoping too much?

exel1966

Having had a high number of c/cards in my time I'd say you've got no chance of getting one by 4th Aug if you haven't already applied.

I would say you are looking at the very minimum 2-3 weeks, and a maximum of up to 8 weeks depending on who you apply to. Average I'd say is 3-4 weeks.

greengrass

Thank you for your advice, looks like I will have to borrow off one account then and pay it back when I come back.

Money_Man

greengrass wrote: »

Hi

As anybody got any idea roughly how long you wait for a c.c, we are going away 4th Aug and was going to apply hoping we would have received it by then, do you think I am hoping too much?

Quite a few Card companies do instant decisions via the phone now but it would still be tight. You could ask for delivery within 24 hours, but you generally pay a premium of around £35 for this service.

exel1966

It is IMPOSSIBLE to apply for and receive a card within 24hours whether you are given an instant decission or not as cards are not despatched until the company receives a signed copy of the credit agreement by return of post. On top of that you have delays for admin, CRA checks etc.

Money_Man

Yes, of course you will need to wait for the T & C's, I should have been clearer in the original posting, possibly 3 days for T & C's to arrive then a day to process so if he applied now he could have the T & C's by the weekend and send them back, they could probably get a card to him by Wednesday or Thursday next week.

dobbie82

could you get a credit card from your bank?

they can give you a form, usually give you a decision there and then, you can read T+C's, sign dotted line, they can check ID in branch and shouldnt take more than a week to get your card.... well thats the theory! I applied yesterday (natwest)

wyebird

If you are accepted straight away without having to provide additional information then you can get a post Office card in less than I week and barclaycard too in my experience.

Dave_®f©

I got a Nationwide credit card in about two weeks but the pin took another week after activating the card.

DawnW

I was instantly accepted for a Halifax card some weeks ago, but still no card yet.

johnmoney05

I think it normally takes around 3 to 4 weeks from the date you make the application (ONLINE) if you are lucky enough.