tickComparing UK 0% credit cards online since 2002
tickEvery 0% credit card currently available online
tick0% credit card deals and offers are updated daily

Credit Card Application How Long?

When you make a credit card application how long does it take in 2021?

Credit Card Acceptance How Long?

Many UK customers when looking to make a credit card application, want to know how long it will take them to get their new card.

Some of the questions related to this topic that we have seen recently include all of the following:-

  • Santander credit card application how long?
  • How long does it take to get a Tesco credit card?
  • How long does a credit card take to arrive?
  • Halifax credit card application how long to arrive?
  • HSBC credit card application how long to process?

We aim to provide answers to as many UK credit card related questions as possible.

Credit Card Application How Long?

When making a credit card application how long it takes to actually get the credit card in your hands, ready to use, is largely down to three main factors:-

  • The credit card company.
    • Quite simply, some companies process credit card applications faster than others.
  • Online application or by post.
  • Acceptance or referral.
    • If the decision at the end of your application is a referral, rather than an acceptance, a credit analyst will need to review your application manually. This review will often slow down the card delivery process.

Most UK customers should normally expect to receive their new credit cards within 5 to 10 days, once the application is completed.

The current Coronavirus pandemic has however reduced office staffing levels for many UK banks and credit card companies. As a result this may lead to delays in both approvals and delivery of new credit cards.

Here are some of most popular featured 0% credit cards, currently available:-


0% Credit Card Expert may receive commissions from some of the credit card companies that we refer users to. How this site works.

0% Credit Card Offers

Balance Transfers:
0% for 29 months
Balance Transfer Fee:
2.75%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)
More Information

Credit Card Details

HSBC Balance Transfer*
  • 0% interest for 29 months on balance transfers made within first 60 days of account opening
  • 2.75% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for 3 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Worldwide offers and discounts with HSBC home&Away
  • Manage your card online
  • Annual Fee: None
More Information

Application Criteria

HSBC Balance Transfer*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
More Information
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions

0% Credit Card Offers

Balance Transfers:
0% for 24 months
Balance Transfer Fee:
3%
Purchases:
0% for 4 months
Representative APR:
20.6% APR (variable)
More Information

Credit Card Details

Co-operative Bank Balance Transfer
  • 0% interest for 24 months for balance transfers made within 60 days
  • 3% balance transfer fee, minimum £5
  • 0% interest on purchases for 4 months from account opening
  • All successful applicants will receive this exact rate and offer
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

Co-operative Bank Balance Transfer
  • Only available to customers who have held a Co-operative Bank or smile current account for 1 month or more
  • You are a UK resident
  • You have annual income of £10,000 or more
  • You are aged 18 or over
More Information
Only available to Co-operative Bank customers
Representative Example: 20.6% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 20.6% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for 18 months
Balance Transfer Fee:
0%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)
More Information

Credit Card Details

NatWest Balance Transfer
  • 0% on balance transfers for 18 months from account opening
  • 0% balance transfer fee
  • 0% on purchases for first 3 months from account opening
  • Lock and unlock your credit card in app
  • Manage your card 24/7 online and by telephone banking
  • Annual Fee: None
More Information

Application Criteria

NatWest Balance Transfer
  • You are a NatWest customer
  • You are a UK resident
  • You are earning at least £10,000 per year
  • You are aged 18 or over
More Information
Only available to customers who have a current account, savings account, credit card or mortgage with NatWest
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for 18 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 18 months
Representative APR:
22.9% APR (variable)
More Information

Credit Card Details

HSBC Purchase Plus*
  • 0% interest for 18 months on balance transfers made within first 60 days of account opening
  • 2.9% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for 18 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Worldwide offers and discounts with HSBC home&Away
  • Manage your card online
  • Annual Fee: None
More Information

Application Criteria

HSBC Purchase Plus*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
More Information
Representative Example: 22.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions

Credit card customers can help to ensure that they get a credit card faster by double checking the application form. When all your information is correct you are more likely to get an instant decision online.

Ensuring that your address and bank account details for instance are correct will enable the bank to be sure that the application is genuine. When your details match the information they can access from their own records and from credit reference agencies, a faster card delivery is more likely.


Related Content From 0% Credit Card Expert:-


Published: December 31, 2020, Updated: March 29, 2021 by 0% Credit Card Expert

All 0% credit card deals and offers on this website are updated daily