How long does it take for a credit card application to get approved or rejected?

The time it takes for a credit card application to get approved or rejected can vary.

The approval or rejection timeline for a credit card application depends on several factors, including the credit card issuer's process, the completeness of your application, and your creditworthiness. Here are some general guidelines:

1.Instant Approval

Some credit card issuers offer instant approval decisions. After submitting your application, you may receive an immediate response indicating whether you're approved, rejected, or if further review is required. This typically happens when the issuer can quickly assess your creditworthiness based on automated processes and pre-determined criteria.

2.Conditional Approval

In some cases, the credit card issuer may provide conditional approval. This means they have initially approved your application pending further verification or documentation. You may need to provide additional information, such as proof of income, address verification, or identification documents. The time required for conditional approval can vary, and you may need to follow up with the requested documents promptly.

3.Manual Review

For certain applications, especially those with complex financial situations or borderline credit profiles, the credit card issuer may conduct a manual review. This involves a more thorough assessment of your creditworthiness, which can take longer. The timeframe for manual reviews varies among issuers, but it can range from a few days to a few weeks.

4.Notification Period

If your application isn't instantly approved or conditionally approved, the credit card issuer will notify you of their decision by mail or email. The notification period can vary but is typically within a few weeks of submitting the application.

It's important to note that each credit card issuer has its own internal processes and timelines for evaluating applications. Additionally, factors such as the accuracy and completeness of your application, your credit history, income verification, and other individual circumstances can impact the decision timeline.

If you're concerned about the status of your application, you can contact the credit card issuer's customer service or check their online application status portal for updates.

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How To Apply For A Credit Card

Credit card applications are straightforward, but you'll need to meet some minimum financial requirements to get approved for the best credit card offers. Learn how to apply for a credit online and what to expect after you click submit.

Knowing your credit score and what's on your credit report can help you determine what products to apply for. If you have fair credit, for example, you may not want to apply for a card that clearly states that only applicants with excellent credit will be approved.
If you don't have good credit, you may find it difficult to get approved for a card with a large sign-up bonus and a lucrative reward structure. Each credit card application ends up on your credit report, so the Nerds recommend using our credit cards comparison tool to find a card that fits your credit profile before applying.
If the card allows balance transfers, you may request to have balances transferred from other credit card accounts to the new card.
To apply for a credit card in the US, you’ll need a valid Social Security number and a positive credit history. The best rewards credit cards may require at least three to five years of good credit history, and some more than seven.

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