How long does it take to get a credit card?
Under normal circumstances, users need to wait about 20 to 40 days after applying for a credit card before they can get the credit card. The length of credit card application time has a certain relationship with the credit card application channel chosen by the applicant. In addition, the length of review time also has a certain relationship with the information provided by the applicant and the applicant's personal qualifications.
Credit cards are credit tools that banks provide to qualified users for overdraft consumption in advance. Cardholders can use credit cards to enjoy a shopping experience of spending first and repaying later, and as long as the credit card users can make payments within the specified repayment period If you repay the loan on time, you can enjoy the interest-free period.
Generally speaking, if the applicant applies for a credit card through a bank branch, the bank will complete the review in about 20 working days after receiving the application information from the credit card applicant. If the applicant applies through online channels If you apply for a credit card, the review time will be shorter, and the review results will usually be available in about a week.
It is worth noting that usually online application for a credit card requires online signature, and the card will be issued only after the online signature is passed. When the credit card is approved, the bank will arrange for the card to be produced. After the card is produced successfully, the bank will mail the credit card by registered mail to the address filled in by the applicant when applying for the credit card. The specific mailing time is the distance between the receiving address and the credit card. related.
If credit card application users want to apply for a credit card quickly, it is recommended that when applying for a credit card, the application information should be provided as comprehensively as possible, and the information provided should be consulted and verified to avoid errors due to insufficient information or Incorrect information affects the review.
Please click to enter the image description (maximum 18 words)
How long does it take to apply for a credit card?
How long does it usually take to apply for a bank credit card?
Bank credit cards generally take 15 working days to process, excluding weekends and holidays.
When the bank is reviewing the credit card, the applicant can check the credit card review progress through online banking or mobile banking.
If your credit card is lost, it will take about two weeks to report the loss and reissue it. The specific process can be referred to the following:
1. For reissue, report the loss first, and then reissue it. The loss reporting and reissue process only needs to go through The phone call can be completed at that time. Call the customer service number of the relevant bank, press the 0 key or other service keys, and go to the worker service to report the loss and reissue the business. This operation saves you the time of going to the bank in person.
2. After confirming the reissue, it will take about two weeks to receive the new card.
1. After re-issuing, it takes about half a month from card printing to sending the card.
2. The bank that sends the card uses ordinary postal mail to send the card. The speed is relatively slow and the area is not too far away. It can be received in one week. In remote areas, it takes about a little more than a week, such as Xinjiang and other places. How long it takes to receive your new card depends on your location.
How many days does it take to apply for a credit card?
Credit card application generally takes about 20-40 days and needs to go through credit investigation, review, selection, card production, and registered surface mail (it takes 7-15 days ) After submitting the card application materials for 10 working days (excluding holidays), log in to the bank's website - credit card - application progress inquiry - ID number - or call the bank's credit card customer service for consultation.
However, the application period for each bank is different. If you apply for a credit card from Everbright Bank, you can get the card immediately. Of course, this is special and an exception. Credit card applications from other banks generally still have to wait about 20-40 days. of.
Extended information:
Credit card application methods:
1. Over the counter at a bank branch
Going to a bank branch is the most traditional way to apply for a credit card , the oldest way. The advantage is: filling in the information in detail can avoid a series of subsequent troubles; at the same time, if you have any questions, you can consult bank staff on the spot.
But its shortcomings are also obvious. Since the application information filled out by customers needs to be transferred from the bank branch to the credit card center for review, the approval speed is slow; secondly, you must queue up at the bank branch, especially when it is overcrowded. At large banks, waiting in line for half an hour or more is common.
2. Mobile stalls
This is also an older method of credit card processing. It is more common in subway stations, large business districts (business districts) and other places with concentrated flows of people.
However, the biggest advantage of applying for a credit card at a mobile stall is that you can get a variety of gifts, ranging from thermos cups and power banks to trolley cases. Most of the gifts are quite practical. Yes, the value is not low either.
3. Online banking
This is the current mainstream credit card application method. You only need to enter various information according to the prompts on the relevant pages of the bank's official website to apply, which is very convenient and fast. Since the entered information will be quickly uploaded to the bank's credit card center, the approval speed is relatively fast. Generally, it takes 5-10 working days to check whether the application has been approved online. Some banks will have results in about 3 working days.
Of course, there are also disadvantages to applying for a credit card through online banking, that is, the credit card issued through this method cannot be activated over the phone or online. In other words, after you get the credit card, you still have to bring the card and valid documents to the nearest card-issuing bank branch for an interview.
4. Mobile terminal
I believe many people are familiar with Zhima Credit Score or JD Xiaobai Credit Card. Generally speaking, Zhima Credit Score is higher than 700 points. Novice credit score is higher than 90 points. Download the Alipay and JD Financial Apps, and after successfully logging in, you can check your credit score, and then find the relevant credit card application page to apply. However, the types of credit cards that can be processed through this method are very limited, and there are generally no more than 3 card types to choose from. Credit cards issued in this way must be interviewed by the bank before they can be activated.
5. Make an appointment to visit your home
On the whole, making an appointment to visit your home is the best way to apply for a credit card. You can make an appointment through the bank's official website, app or phone. Bank staff will come to your door on time to conduct one-on-one processing. There are a full range of cards to choose from, and you can get answers to any questions you have on the spot. Once you get the card, you no longer need to go to the bank for an interview. You can activate the card by phone or online.
It is worth mentioning that if you want to apply for a credit card, it is recommended to check your personal credit report on Tichacha first, and accurately optimize your credit based on the report, which can effectively improve the approval rate of card application. Do not apply blindly. Avoid being denied a card and affecting your personal credit.
This concludes the introduction about how long it takes to apply for a credit card and how long it takes to apply for a credit card. Have you found the information you need?