How long does it take to get your 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’re also allowing for 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 are applying on line with instant decision credit card applications, you may receive a decision via the credit card company’s website within minutes.
During an instant decision, your details are checked automatically. This will include:
- Your identity validation
- Your credit score
- Fraud checks
By doing these checks automatically you will save a few days on the time it takes to physically receive your card.
Can I get a credit card if I have no credit history?
As you’ve seen above, your credit score is an important part of the decision to grant you a first credit card. Fortunately it’s not the only aspect, otherwise nobody would ever have been granted a card!
Unfortunately, it does mean that some of the best deals might not be available to you if this is your first card. Credit history building cards however, are specifically designed for people with low or poor credit scores. Such a card may be the place to start. It will usually come with a lower credit limit to start with until you prove your repayment reliability. It may also attract a higher standard interest rate than other cards, but if you pay off your balance each month, that won’t matter.
Alternatively, if you’ve had a bank account for a period of time, you could talk to your bank to see if they have any options available. After all, they’re already familiar with your financial situation.
Start a credit card comparison today and we’ll do all the leg work for you and provide you with a list of options to suit your needs. All you need to do is choose which one is right for you.