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Credit Card Arrival Time?

How long does a credit card take to arrive.  How long does it take to get a credit card in the UK?

The credit card arrival time, is usually defined as the length of time it takes from when a customer completes an application form for a new credit card, to when the customer actually has the new credit card delivered to their home address and ready to use.

Credit Card Arrival Time

Many customers when applying for new 0% credit card are keen to know how long does it take for a credit card to arrive. This is very often because they need to use their new credit card by a specific date.

Very often a customer needs to make a balance transfer from their existing credit card by a certain date, in order to avoid paying interest. Alternatively, they may be looking to apply for a new credit card to take on a holiday, or on a business trip, departing on a specific date.

How Long Does It Take To Get Credit Card

Most new UK credit card applications are now completed by customers applying online. Generally, these online application forms take between 5 to 10 minutes, and often less, to complete.

Many credit card are also now instant decision credit cards. These cards can show a customer an online decision at the end of the application process. This lets the customer know whether they have been accepted or declined for that credit card.

How long to get a credit card, after being accepted, is largely determined by how efficient the credit card company process is. The card company needs to first setup the customers credit card account in their system. After this is done, they will then send out the physical card. The time this takes, does vary between different credit card companies.

How Long Does Credit Card Take To Arrive?

Typically a customer can expect their new credit card to arrive within 5 to 10 days after completing their application. Some card companies can now deliver the new card in less than 5 days from the application date.

The credit card and the PIN number, needed for the card, will arrive separately for security reasons. However, both should arrive within the time-scales outlined above.

Some of the most popular featured UK 0% credit cards can be seen below:-


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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 18 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 9 months
Representative APR:
18.9% APR (variable)
More Information

Credit Card Details

Partnership Credit Card
  • 0% on balance transfers for 18 months from account opening
  • 2.9% balance transfer fee, minimum £5
  • 0% on purchases for 9 months from account opening
  • Earn points to convert into John Lewis and Waitrose vouchers
  • Every 500 points you earn is worth £5 in vouchers
  • Exclusive partnership cardholder events and special offers
  • Annual Fee: None
More Information

Application Criteria

Partnership Credit Card
  • You have a UK residential address
  • You have a good credit history
  • You have a household income of more than £6,750 a year
  • You are aged 18 or over
More Information
Representative Example: 18.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 18.9% p.a. (variable)

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:
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

It is essential when completing the credit card application forms, that you double check all the information you provide.

Any incorrect details for example, will only make it more likely that your application could be refused, or referred for a manual check. Any referral checks which are required by incorrect information, will only slow down the delivery process. This is likely to increase how long it takes for a credit card to arrive.


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Published: May 6, 2021, Updated: May 6, 2021 by 0% Credit Card Expert

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