Credit Card Arrival Time?

What is a typical credit card arrival time 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 a credit card takes to arrive. This is usually because they would like 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 business trip, which is departing on a specific date.

Credit Card Arrival Time?

Most new UK credit card applications are now completed  by customers applying online. Generally, these online application forms take between 10 to 15 minutes, and often less, to complete.

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

The credit card arrival time, after being accepted, is largely determined by how effective 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 by credit card company.

Typically a customer can expect their new credit card to arrive with 5 to 10 days after completing their application.

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 up to 27 months
Balance Transfer Fee:
3%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)
More Information

Credit Card Details

Sainsbury’s Balance Transfer
  • 0% interest on balance transfers for up to 27 months
  • 3% balance transfer fee (minimum £3) on transfers made at application
  • 0% interest on purchases for your first 3 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 Balance Transfer
  • 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
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.95% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for 23 months
Balance Transfer Fee:
1.99%
Purchases:
0% for 3 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

NatWest Longer Balance Transfer
  • 0% on balance transfers for 23 months from account opening
  • 1.99% 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 Longer 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: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% 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)

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.

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 required by incorrect information, are likely to increase the length of time that it takes for the new credit card to arrive.


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