How long does it take to apply for a credit card?

The fastest way is to apply online, and the fastest it can be completed in 3 days.

Applying for a credit card online usually takes 5 working days to complete the review. New users need to go to a bank branch for an interview, and the review will be completed within 2 working days after the interview. For some cardholders who have already applied for a credit card and submitted relatively complete information, the bank's approval will be much faster, and the card will usually be issued in about 3 days. Therefore, how long it usually takes to apply for a credit card depends on the applicant's personal situation and the card-issuing bank. Depends on the speed of approval.

Extended information:

Credit card settlement funds

1. Submit the bill. The merchant submits the payment slip or cash withdrawal slip signed by the cardholder to the acquiring bank, and settles with the acquiring bank to recover the advanced funds.

2. Request payment. The acquiring bank deducts a certain handling fee when paying to the special merchant, and the acquiring bank makes a payment request to the card issuing bank. This process is accomplished by transmitting the charge file to the card issuing bank.

3. Payment. If the issuing bank has no objection to the transaction, it will pay the acquiring bank and share the business fees with the acquiring bank through withholding. Otherwise, it will enter the stage of chargeback or repayment, and it may even be submitted to a higher-level organization for adjudication.

4. Cardholder payment. The card issuer issues a statement, that is, a payment advice, to the cardholder at the end of each month or on an agreed date. The cardholder pays the corresponding amount to the card issuer after he has no doubts about the transactions on the statement.

Baidu Encyclopedia - Credit Card [img]

How many days does it take to apply for a credit card?

Credit card applications generally take about 20-40 days to go through credit reporting and review. , select ++, card printing, registered surface mail (it takes 7-15 days). After submitting the card application materials for 10 working days (excluding holidays), you can also log in to the bank's website - credit card - application progress inquiry - ID number - inquiry. Call the bank’s credit card customer service for consultation.

However, the application period for each bank is different. If you apply for a Everbright Bank credit card, 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 for about 20-40 days. of.

Extended information:

Credit card application methods:

1. Bank branch counters

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 have to 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.

How long does it take to apply for a credit card and get the card?

After the credit card application is successful, it will take about 20 days to get the credit card. Different banks have different efficiencies. Specifically, it depends on the time of receiving the credit card. The time shall prevail.

After the card applicant submits the application for a credit card, the bank will first conduct a preliminary review of the information. The review time is within 7 working days. After passing the preliminary review, the card applicant's information will be handed over to the credit card center for processing. Final review. If the final review is passed, the card applicant will receive a text message notification. The review process usually takes about 15 days.

After the credit card is approved, it will take about 3 days to produce the card. After the card is produced, the card will be sent out. The logistics time of the card is about 7 days, so the user can receive it in about 10 days after the approval. card. However, when the card has special craftsmanship, or the user's card collection address is in a remote area, the time for the user to receive the card will be postponed.

As long as the card collection address provided by the user is accurate and there are no problems with logistics, the user can finally receive the card successfully.

How long does it take to apply for a credit card?

When applying for a credit card for the first time, the review time will be longer, usually 20 working days. Once approved, it will take approximately 1 week to be mailed.

How long does it usually take to apply for a credit card?

The time required for credit card application depends on the card application channel:

1. Online application: generally within 20 working days. If it is the first time to apply for a card, it usually takes about 10 working days. However, if there is verification of online banking shield, it may be completed in 5 working days.

2. Website application: Generally, the review will be completed within 5 working days. New accounts need to go to the bank branch for an interview, and the review will be completed within 2 working days after the interview.

3. Mobile banking application: If it is a mobile banking application, the review time is relatively short, about 1-2 weeks. If you apply online via mobile phone, the review will take up to 5 working days at the earliest.

After the credit card application information is submitted, it will first be submitted to the credit card center review department of the card-issuing bank. The review department will score the applicant based on the applicant's personal situation. This process usually takes 10 working days. If After the review is passed, the card-issuing bank will create a card for the cardholder within two working days, and then send the credit card by registered mail or express delivery. Registered mail usually arrives in about 15 days, and express delivery usually takes about 5 days.

However, for some cardholders who have already applied for a credit card and submitted relatively complete information, the bank's approval will be much faster, and the card will usually be issued in about 3 days, so how long it takes to get the credit card generally depends on the application. It depends on the person's personal situation and the approval speed of the card-issuing bank. Generally speaking, the results will be available in about a month.

Extended information:

CreditCard, also called credit card. It is a non-cash transaction payment method and a simple credit service.

A credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Reference materials: Credit card - Baidu Encyclopedia

How long does it take to apply for a credit card?

Credit card, as a payment tool that allows you to consume first and repay later, is popular among young people. Users love it, so how long does it take to apply for 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.

That’s it for the introduction of how long it takes to apply for a credit card.