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 does it take to get a credit card?

It takes about 20 days to get a credit card after a successful credit card application. The efficiency of different banks is different, depending on the time when credit cards arrive.

After the applicant submits a credit card application, the bank will first review the information within 7 working days. After the preliminary examination is passed, the applicant's information will be handed over to the credit card center for final review. If the final approval is passed, the applicant will receive SMS notification, and the approval process generally takes about 15 days.

After the credit card is approved, it will take about 3 days to make the card, which will be sent out after it is ready. The logistics time of the card is about 7 days, so the user can receive the card in about 10 days after approval. However, when the card has a special process, or the user's card receiving address is in a remote area, the time for the user to receive the card will be delayed.

As long as the card receiving address provided by the user is accurate and there is no problem in logistics, then the user can finally receive the card smoothly.

How many days can I get a credit card?

1. If you apply for a credit card at the relevant outlets, you can issue the card within 20 working days. If it is the first time to apply for a card, it usually takes about 10 working days. (Shizuka said card A)

2. If you apply for a credit card through the relevant official website, the review will generally be completed within 5 working days. If it is a new customer, you need to go to the bank outlet for a face-to-face interview, and the audit will be completed within 2 working days after the face-to-face interview.

3. If you apply for a credit card through mobile banking, it usually takes 1-2 weeks.

How long it takes to apply for a credit card and how long it takes to apply for a card mainly depends on the way to apply for a card, the conditions for applying for a card and the details of the information provided by the applicant, subject to the actual time received.

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

The time required to apply for a credit card is related to the channel of handling the card, as follows:

1. Online application: generally within 20 working days;

2. Website application: generally, it takes 5 working days to complete the review, and new customers need to go to the bank outlets for face-to-face signing, and the review will be completed within 2 working days after the face-to-face signing;

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

Credit card 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.

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.

How many days is the credit card valid?

It usually takes about 20-40 days to apply for a credit card, and it takes about 7- 15 days to submit the application materials by means of credit investigation, review, selection, business card printing and registered surface mail. After 10 working day (except holidays), you can log on to the bank website-credit card-application progress inquiry-ID number-or call the bank credit card customer service for 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 you must not blindly handle it, so as not to affect your personal credit because the card is rejected.

This concludes the introduction about how long it takes to apply for a credit card and how long it takes to apply for a card. I wonder if you have found the information you need?