Generally, it takes about 20-40 days to apply for a credit card, and it takes about 7- 15 days (excluding holidays) to conduct credit investigation, review, select++,apply for a card, register by surface mail, and submit application materials for a card. You can also call the bank's credit card customer service consultation.

But the application cycle of each bank is different. Everbright Bank can get the card when it applies for a credit card. Of course, this is special and an exception. Credit card applications from other banks generally take about 20-40 days.

Extended data:

Credit card processing method:

1, bank branch counter

Going to a bank outlet is the most traditional and oldest way to apply for a credit card. The advantages are: you can fill in detailed information and avoid a series of subsequent troubles; At the same time, you can also consult the bank staff on the spot if you have any questions.

However, its shortcomings are also obvious, because the application materials filled out by customers need to be transferred from bank outlets to credit card centers for review, so the approval speed is slow; Secondly, we should queue up at bank outlets, especially the big banks that are overcrowded. It is common to queue for half an hour or more.

2. Mobile booths

This is also an ancient credit card processing method, which is more common in subway stations, large business districts (business districts) and other places where people are concentrated.

However, the biggest advantage of handling credit cards at mobile stalls is that you can get all kinds of gifts, from thermos cups and charging treasures to suitcases, most of which are very practical and of high value.

3. Online banking

This is the mainstream credit card application method at present, and it is very convenient and quick to apply just by inputting all kinds of information according to the prompts on the relevant pages of official website Bank. Because the input data will be uploaded to the bank credit card center soon, the approval speed is faster. Generally, it takes 5- 10 working days to check whether the approval is passed, and some banks will get the results in about 3 working days.

Of course, the online banking application of credit cards also has disadvantages, that is, the credit cards issued in this way cannot be activated by telephone and network. In other words, after you get the credit card, you still have to bring the card and valid documents to the nearest issuing bank for face-to-face signing.

4. Mobile phone terminal

I believe many people are familiar with Sesame Credit Score or JD.COM Xiaobai Credit Card. Generally speaking, sesame credit score is higher than 700, and Xiaobai credit score is higher than 90. Download Alipay and JD Finance App. After successful login, 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 handled in this way are very limited, and there are generally no more than three types of cards to choose from. Credit cards issued in this way must go to the bank for face-to-face signing before they can be activated.

Step 5 make an appointment at home

Appointment at home is the best way to apply for a credit card. You can make an appointment through the bank official website, App or telephone, and the bank staff will come to the door one-on-one on time. Optional cards are complete, and questions can be answered on the spot. After you get the card, you don't need to go to the bank to sign it. You can activate the card by phone and online.

It is worth mentioning that if you want to apply for a credit card, it is recommended to check the personal credit report first, and accurately optimize the credit in combination with the report, which can effectively improve the pass rate of the card, and must not be handled blindly, so as not to affect your personal credit because of the rejection of the card.

How long does it usually take to get a credit card?

The time required to apply for a credit card is related to the card handling 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 a verification screen, it may be completed within 5 working days.

2. Website application: generally, the approval is completed within 5 working days, and new customers need to go to the bank outlets for face-to-face signing, and the approval is completed within 2 working days after face-to-face signing.

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

After the credit card application materials are submitted, they will first be submitted to the audit department of the credit card center of the issuing bank. The audit department will grade the applicant according to his personal situation. This process usually takes 65,438+00 working days. If approved, the issuing bank will make a card for the cardholder within two working days, and then send the credit card by registered mail or express delivery. It usually takes about 15 days for registered mail and about 5 days for express delivery.

However, for some cardholders who have applied for a credit card and submitted complete information, the bank's approval will be much faster. Usually the card will be issued in about 3 days. Therefore, how long the credit card can be completed depends on the applicant's personal situation and the approval speed of the issuing bank. Usually the results will be available in a month or so.

Extended data:

Credit card, also known as 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 a credit card company to eligible consumers. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

References:

Credit card-Baidu encyclopedia

How long will it take to get the credit card?

Under normal circumstances, users need to wait 20 -40 days to get a credit card after applying. The length of credit card application has a certain relationship with the credit card processing channel selected by the applicant, and the length of review time also has a certain relationship with the information provided by the applicant and the applicant's personal qualifications.

Credit card is a credit tool provided by banks to eligible users to overdraw in advance. Cardholders can enjoy the shopping experience of spending first and then repaying. As long as credit card users can repay on time within the specified repayment period, they can enjoy interest-free service.

Generally speaking, if an applicant applies for a credit card through a bank outlet, the bank will complete the review within 20 working days after receiving the application materials of the credit card applicant. If the applicant applies for a credit card through online channels, the review time will be shorter, and the review results will generally be available in about a week.

It is worth noting that online credit card applications usually require online signing, and business card printing will be arranged after the online signing is passed. When the credit card is approved, the bank will arrange a business card printing. After the business card is successfully printed, the bank will mail the credit card to the address filled in by the applicant when applying for a credit card by registered mail. The specific mailing time is related to the distance of the receiving address.

If a credit card applicant wants to apply for a credit card quickly, it is suggested that when applying for a credit card, the application materials should be as comprehensive as possible, and the provided materials should be consulted and checked to avoid the impact of incomplete or incorrect information on the audit.

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How long will it take to get the credit card?

How long does it usually take to get a bank credit card?

It usually takes 15 working days for bank credit card processing, excluding weekends and holidays.

When banks review credit cards, applicants can check the progress of credit card review 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 as follows:

Report the loss first, then reissue it. At that time, the process of reporting loss and making up for it can be completed by calling the customer service phone of the relevant bank and pressing the 0 key or other service keys, so as to realize the business of reporting loss and making up for it. This operation saves you the time of going to the bank in person.

2. After the replacement is confirmed, you will receive the new card in about two weeks.

1. After reissue, it will take about half a month from business card printing to card issuance.

2. The issuing bank sends the card by ordinary post, which is relatively slow and the area is not too far, and it can be received in one week. If it is a remote area, it will take more than a week, such as Xinjiang,+++and other places. How soon you can receive a new card depends on your area.

So much for the introduction of how long it takes to apply for a credit card.