How long does it take to get a credit card? In this age of online applications and near-instant approvals, the question doesn't come up as frequently as it once did. The average Visa® or Mastercard® may be approved in minutes and shipped within days, provided you meet the credit criteria. Show
Specialty credit cards and high-end cards that require a higher credit score may take longer. Specialty cards, like business or student cards, are designed for people with very specific credit needs, as well as high-end cards, so this approval process could take longer to ensure that the potential cardmember qualifies. A manual review of your application may be required. In some cases, additional information, including proof of income, could be requested before final approval is granted. How long does it take to get approved for a credit card?The key to a fast approval is to make sure your credit history is in good shape before applying. Quick credit card approvals typically take place when your application is completely filled out and your credit score is sufficient to qualify. Do some research first and make sure you fit the criteria for approval. An online application may be a faster way to get approved than sending a mail-in form. Either way, make sure all fields are filled out properly. Missing information could slow down the process and may require a manual review. Accurate information may speed up the approval process. Credit card issuers are required by law to respond within 30 days, but online applications may be approved in a few minutes. If you're applying over the phone or in person and you've submitted all the correct information, you may also find out if you've been approved within a few minutes. Mail-in applications may take a few weeks. How long does it take to receive a new credit card?The time it'll take to receive your new card may depend on the type of card you applied for, as well as factors like potential delays with the mail. Most credit card issuers will send a new card in 10 to 14 days. If you request a special design, which some companies offer, it could take longer. You may also have an option for “rush" delivery if you pay an additional fee. How long does it take to receive a replacement credit card?Delivery of a replacement card, in the event that your original has been lost or stolen, is typically done within seven days. Most credit card issuers offer free expedited shipping for replacement cards, just ask. Some may charge a fee for the expedited shipping, while others don't offer the service at all. What do I do if I haven't received a card yet?If you've applied for a new credit card, been approved and have not received it after 10-14 business days, there are steps you can take to remedy the situation. If you're in the area, you can visit a local branch office to find out what might have gone wrong. Depending on your credit card issuer, you may be able to request a temporary card. Another option would be asking for expedited shipping, typically at a cost. What to Do If You Get Rejected for a Chase Credit CardHave you ever applied for a credit card online and didn't instantly get approved? The first thing you need to check is if you were rejected or if they're still making a decision by calling the reconsideration line. A lot of people who aren't automatically approved assume they've been rejected. If you're not instantly approved for a card, call the automated status line immediately to check the status of your application. The number may change in the future. h/t Doctor of Credit for the most updated list of recon numbers. Reconsideration line phone number: 888-270-2127 Once you make the call, they're going to give you a message. If it says they'll let you know within 30 days, it means Chase has not processed the application yet. However, if the message says two weeks, this typically means you're approved. If it says 7-10 days, then it typically means you were rejected for the card. Important note: these are based on phone messages and not email communication. If you have the 7-10 day message, this likely means you were rejected. You can either wait for a letter or immediately call the reconsideration line to see if they will approve you. Before calling the reconsideration line, there are two rules you need to be aware of: 1. Chase 5/24 - if you opened more than five credit card accounts within the past 24 months, you'll automatically be rejected. Reconsideration LineWhen you call the reconsideration line, you're trying to convince the person on the other line to approve the application. You're usually speaking to a credit analyst, so be sure to call during business hours. These calls can vary drastically depending on what your credit profile looks like. For example, my friend called the reconsideration line after applying for two Southwest credit cards on the same day and had to explain that they were aiming for Companion Pass. After explaining why they wanted the card, the analyst approved the card. Again, depending on the specific reason the application is under review, your mileage may vary. Another scenario is that Chase typically issues a total credit limit equivalent to half of your income. You may have to reallocate or lower the credit limits on some cards to get approved for a new card. If you go through the reconsideration process and they still don't approve you, it might be worth hanging up and trying again a few hours or days later. One other factor to consider is that if you are relatively new to credit, it's hard to get approved for travel cards like the Chase Sapphire Preferred or the Chase Sapphire Reserve. If you get rejected, the strategy would be to build a relationship with Chase by getting a Chase Freedom for 3-9 months before applying for a higher tier card. What happens if my Chase credit card application is not auto approved?If your Chase credit card application is not auto approved, you will almost certainly get a message via email stating that you will be notified “within the next 30 days” about the decision of your application. It should look something like this. The Chase 30 day message — not necessarily a bad thing.
How long does it take for Chase to let you know?We'll let you know our decision by U.S. mail . This could take up to 30 days. Thank you for choosing chase. * I also received an email from Chase stating that they will let me know in 30 days. * I called the status line about one our later and the robo lady said....
What does it mean when your Chase credit card application is under review?If your Chase credit card application status is under review, that means your application has not yet been approved or denied. Don’t read too much into it, though. You’ll hear back within 7-10 business days of applying in most cases, when you don’t receive a decision instantly.
How long does it take for Chase to respond to applications?This could take up to 30 days. Thank you for choosing chase. * I also received an email from Chase stating that they will let me know in 30 days. * I called the status line about one our later and the robo lady said.... Thank you for applying, your application is being reviewed. You will me notified of our decision in 7-10 buisness days in writing.
How long does it take Chase to make a decision?Submit your application.
Most of the time, approvals and rejections are nearly instantaneous, but some credit issuers may take a longer time to make a decision, such as 8-15 business days. Keep in mind that it can take up to two weeks for you to receive your new card.
How long does it take Chase to make a decision on a credit card?How long does it take to get approved for a Chase credit card? Many credit card approvals can happen immediately. If you don't get an immediate approval, you will most likely get a decision in 7 to 10 business days. However, sometimes it can take up to 30 days.
How do I know if I was approved for Chase credit card?To check your Chase credit card application status by phone, call (888) 338-2586 and enter your full Social Security number when prompted. Chase's automated application status line is accessible 24/7.
Does 77-10 Days Status Message
A 7-10 day message typically means that your application has been denied. You can either wait for the rejection letter or call Chase reconsideration line at 1-888-270-2127 and plead your case.
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Chase we ll let you know our decision as soon as possible
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