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How Soon Will I Find Out if My Credit Card Application is Approved?

how do i find out if i have bad credit

By LaToya Irby. Credit/Debt Management Expert

Welcome to's Credit/Debt Management site, led by your guide, LaToya Irby. LaToya has been the credit and debt management guide since 2007. Read more

There's so much anticipation involved with completing a credit card application. No doubt, you have three big questions going through your mind: Will I be approved? How much will my credit limit be? How soon will I find out whether I'm approved? The amount of time it takes to get the answers to these questions depends mostly on how you submit your credit card application.

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at a retail store) and you've given all the correct information, you may find out whether your credit card application is approved in 60 seconds or less. Once your approval is confirmed, you'll also find out your credit limit. Then, you'll have to wait 7-10 business days to receive your credit card in the mail. Depending on the type of credit card you applied for, you may be able to use your credit card instantly. For example, if you're approved for a

retail store credit card, you'll typically be able to use the account in the store and any sister stores the same day.

While sometimes the lack of an instant credit decision means your application is denied, it doesn't always. The credit card issuer may not be able to deliver an instant approval decision if your application needs further review or you provided incorrect or incomplete information. Wait a few days (7-10 days typically) and you'll receive an email, letter, or phone call from the credit card issuer requesting additional information or explaining the fate of your application.

When you mail your credit card application, you may not find out whether you're approved for two to three weeks.

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You have wait for the card issuer to receive and process your application and then mail you a response.

If it's been more than two weeks since you made your credit card application and you haven't heard anything about your approval, call the credit card issuer to request the status of your application. You can find the card issuer's number on their website.

Category: Credit

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