How long does it take to get a credit card?

Key takeaways

• Some issuers may have minimum income thresholds

• Online applications are the quickest way to get a credit card

• Your application is usually approved within minutes, as long as you provide the correct information

• Expect your new card within two weeks after approval

• Before using your card you will need to activate it online, over the phone, or at an ATM

What information will I need for my credit card application?

Credit card lenders are specific about their requirements, and having the correct information to hand can help you get a quick approval. Here’s what you’ll need to provide:

• Personal details: Your full name and confirmation that you're at least 18 years old – a requirement of credit card companies in the UK. Most credit card companies require applicants to be at least 18 years old

• Income: Proof of stable income is essential. Some issuers may have minimum income thresholds to ensure you can manage credit responsibly

• Address: A history of your addresses, usually for the last three years, helps verify your residency and stability

• Proof of ID: Official identification, such as a passport or driving licence, is required to confirm your identity

Gathering these documents beforehand can prevent any unnecessary delays in your application process.

How long will my credit card application take?

The time it takes to apply for a credit card can vary significantly depending on the issuer and the method you choose for your application. Here's what you can expect:

• Online applications: These are often the quickest route, with some applications taking just minutes to complete. However, processing times can still vary between issuers

• In branch: While bank branches are becoming fewer, you should still be able to make a credit card application over the counter. The advantage is that you’ll be able to deal with any queries face-to-face and it should only take a few minutes

• Over the phone: This method can be more time-consuming than online applications because you’re reliant on the bank’s call handling systems and the demands on its services. However, if you have all your information ready, it can still be relatively quick

• By post: The traditional postal method is the slowest, as it involves the physical mailing of your application and waiting for the processing, which can take several weeks

For efficiency and the ability to track your application's progress, online applications are generally recommended.

How can I speed up the credit card application process?

If you're looking to get your credit card application processed faster, consider these tips:

• Apply online: This is typically faster than postal applications

• Build up your credit score: A good credit score can lead to quicker approvals. Improving your credit score is something you should consider well before applying

• Check your credit file: Ensure there are no errors on your credit report before applying. Regularly checking your credit score helps maintain its accuracy

By following these steps, you can enhance your chances of a smooth and swift credit card application process.

How long does it take to get approved for a credit card?

Credit card providers typically take five to 10 days to decide on your application. However, many now offer instant approval, especially for online applications.

With instant approval, your application and financial details, including your credit score, are reviewed almost immediately.

How long will it take for my credit card to arrive?

Once you've been approved for a credit card, the timeframe for the card to arrive post-approval depends on the lender, but you can usually expect to receive your new card to arrive within two weeks.

This allows for the card to be printed, mailed, and delivered to your doorstep.

Credit card application: Step by step

Applying online is often the easiest and fastest way to apply for a credit card. The process typically involves the following steps:

• Pick the type of credit card: Start by choosing a card that aligns with your financial needs from the various types of credit cards.

• Providing information: You'll need to share personal details such as your salary, age, and address

• See your eligibility: Use soft searches to gauge your approval chances without impacting your credit score

• Choose a credit card: Select the card and provider that best meet your financial objectives

• Get your card: If approved, your card will be sent to you by post

Can I use my new credit card immediately?

Before you can start using your new credit card, you'll need to activate it. This can be done online, by phone, or at an ATM.

Once activated, you're free to make purchases, whether it's a contactless payment or using a card reader with your PIN.

Can I get instant approval for a credit card?

Instant approval for a credit card is a possibility, but it's not guaranteed for every applicant. It largely depends on your credit score and borrowing history.

Not everyone will receive an instant decision, but having a strong credit profile increases your chances. The final approval will depend on your credit score and borrowing history.

Will I be credit checked when I apply for a credit card?

When you apply for a credit card, all reputable lenders will conduct a hard credit check. This is a thorough assessment of your financial history and will uncover any potential issues, such as County Court Judgments (CCJs) or significant debt.

What do I do if my application for a credit card has been declined?

Being declined for a credit card can be disheartening, but it's important to understand why it happened.

Common reasons include insufficient credit history, CCJs, or past bankruptcies. If your application is declined, you should understand why and check out our guide on refused credit.

Other useful guides

For more information on credit card applications and how to find the right credit card for you, take a look at some of our similar guides:

• How to apply for a credit card

• What are the types of credit card

• Continuous payment authority guide

Comparing credit cards with MoneySuperMarket

MoneySuperMarket is an invaluable tool for comparing credit cards, offering options tailored to your individual financial situation. With filters for APR, benefits, and approval likelihood, it minimizes the risk of refusal.

MoneySuperMarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead, we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.