Credit Card Application How Long?

When you make a credit card application how long does it take in 2020?

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 the 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 system 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 reduced staffing levels for many UK banks and credit card companies. 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 up to 28 months
Balance Transfer Fee:
2.95%
Purchases:
0% for 3 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

TSB Platinum Balance Transfer
  • 0% interest for up to 28 months on balances transferred within first 90 days
  • 2.95% balance transfer fee during first 90 days, 3% fee applies afer 90 days
  • 0% interest for the first 3 months on purchases
  • Internet fraud protection and Clicksafe
  • Apple Pay and Android Pay
  • Annual Fee: None
More Information

Application Criteria

TSB Platinum Balance Transfer
  • You are an existing TSB customer
  • You are not currently declared bankrupt, have CCJs or subject to IVA
  • You have a good credit rating and regular income
  • You are a UK resident
  • You are aged 18 or over
More Information
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.95% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for up to 20 months
Balance Transfer Fee:
3%
Purchases:
0% for up to 20 months
Representative APR:
20.9% APR (variable)
More Information

Credit Card Details

Sainsbury’s Dual Offer Credit Card
  • 0% interest on balance transfers for up to 20 months
  • 3% balance transfer fee, minimum £3 on transfers made at application
  • 0% interest on purchases for up to 20 months
  • Collect 2 Nectar points per £1 spent on Sainsbury's shopping and fuel
  • Collect 1 Nectar point for every £5 spent on your card elsewhere
  • Online account management
  • Annual Fee: None
More Information

Application Criteria

Sainsbury’s Dual Offer Credit Card
  • You have a permanent UK address
  • You have not been declined for credit in the last month
  • You do not have a history of bad credit
  • You are aged 18 or over
More Information
To apply for a credit card you must be a Nectar member and should have been one for at least 6 months
Representative Example: 20.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 20.95% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for 26 Month
Balance Transfer Fee:
0%
Purchases:
0% for 26 months
Representative APR:
21.7% APR (variable)
More Information

Credit Card Details

Santander All in One Credit Card
  • 0% interest on balance transfers for 26 month from date account opened
  • 0% balance transfer fee
  • 0% interest on purchases for 26 month from date account opened
  • 0.5% cashback on all of your purchases
  • No foreign transaction fee on purchases made abroad in local currency
  • Cashback through Retailer Offers
  • Monthly Fee: £3
More Information

Application Criteria

Santander All in One Credit Card
  • You are a permanent UK resident
  • You have a good credit history with no history of bad credit
  • You have an income of £7,500 per year or more
  • You are at least 18 years of age
More Information
Monthly fee of £3 payable
Representative Example: 21.7% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 15.9% p.a. (variable) with a monthly fee of £3 payable

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)

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 speedy card delivery is more likely.


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