Credit Card Arrival Time?

What is a typical credit card arrival time in the UK?

The credit card arrival time, can be 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 TimeMany customers when applying for new 0% credit card are interested in how long a credit card takes to arrive. This is often because they may need to use the new credit card by a specific date.

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

Credit Card Arrival Time?

Most new UK credit card applications are now completed  by customers applying online, with the forms taking 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 from the point of acceptance, is largely determined by how effective the credit card company process is. The card company needs to both setup the customers credit card account and send out the physical card. This time period does vary by credit card company.

Some of the most popular featured UK 0% credit cards can be seen below, along with the typical credit card arrival time for each card:-

0% Credit Card Offers

Balance Transfers:
0% for 25 months
Balance Transfer Fee:
2.89%
Purchases:
0% for 25 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

Post Office Money Matched Credit Card*
  • 0% for 25 months on balance transfers made within 3 months of account opening
  • 2.89% balance transfer fee
  • 0% on purchases for first 25 months
  • No cash fee when you purchase Post Office Travel Money
  • Manage your account 24/7 with Post Office Money mobile app
  • Annual Fee: £0
More Information

Application Criteria

Post Office Money Matched Credit Card*
  • You are a UK resident
  • You have a bank or building society account
  • You have an annual income of £8,000 or more excluding unemployment benefits
  • You are aged 18 or over
  • You have no county court judgements
  • You must not already hold a Post Office Money Credit Card
More Information
Post Office credit card arrival time - 7 working days
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)
Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender

0% Credit Card Offers

Balance Transfers:
0% for 32 months
Balance Transfer Fee:
1.4%
Purchases:
0% for 3 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

HSBC Credit Card*
  • 0% interest for 32 months on balance transfers made within 60 days of account opening
  • 1.4% balance transfer fee (minimum £5)
  • 0% on purchases for 3 months from account opening
  • At the end of 0% offer period, balance transfers and purchases will revert to standard variable rate
  • home&Away rewards programme giving you instant discounts from well-known brands
  • Online account management
  • Annual Fee: £0
More Information

Application Criteria

HSBC Credit Card*
  • You have an annual income or pension before tax of £8,500 or more
  • You are a UK resident, including Isle of Man and Channel Islands
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
More Information
HSBC credit card arrival time - 3 to 5 working days after approval
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)
Credit is subject to status

0% Credit Card Offers

Balance Transfers:
0% for up to 35 months
Balance Transfer Fee:
2.85%
Purchases:
0% for 3 months
Representative APR:
18.9% APR (variable)
More Information

Credit Card Details

Post Office Money Balance Transfer Credit Card*
  • 0% for up to 35 months on balance transfers made within 3 months of account opening
  • 2.85% balance transfer fee applies
  • 0% on all purchases for the first three months
  • No cash fee to buy travel money at the Post Office
  • Manage your account 24/7 with Post Office Money mobile app
  • Annual Fee: £0
More Information

Application Criteria

Post Office Money Balance Transfer Credit Card*
  • You are a UK resident
  • You have a bank or building society account
  • You have an annual income of £8,000 or more excluding unemployment benefits
  • You are aged 18 or over
  • You have no county court judgements
  • You must not already hold a Post Office Money Credit Card
More Information
Post Office credit card arrival time - 7 working days
A 2.85% fee applies and balance transfers must be made within 3 months of account opening
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)
Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender

0% Credit Card Offers

Balance Transfers:
0% for 25 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 25 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

M&S Shopping Plus Credit Card*
  • 0% for 25 months on balance transfers made within 90 days of account opening
  • 2.9% balance transfer fee, minimum £5
  • 0% on purchases for 25 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • Preferential rates when you use your card to order M&S Travel Money
  • Manage account online
  • Annual Fee: £0
More Information

Application Criteria

M&S Shopping Plus Credit Card*
  • You are a UK resident
  • You have a UK bank or building society account
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within previous 12 months
More Information
M&S credit card arrival time - 3 to 5 working days after approval
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 12 months
Balance Transfer Fee:
0%
Purchases:
0% for 12 months
Representative APR:
17.9% APR (variable)
More Information

Credit Card Details

Nationwide Credit Card just for Nationwide members*
  • 0% on balance transfers for 12 months from account opening
  • 0% balance transfer fee within first 3 months, 2.4% fee applies after, minimum £5
  • 0% on purchases for 12 months from account opening
  • Commission free allowance on purchases abroad (subject to terms)
  • Manage account online
  • Annual Fee: £0
More Information

Application Criteria

Nationwide Credit Card just for Nationwide members*
  • Our credit cards are just for members. Youre a member when you have a current account, mortgage or savings account with us
  • You have been living in the UK for the last 12 months
  • You have a gross income each year of more than £5000
  • You have a good credit history
  • You are aged 18 or over
More Information
Nationwide credit card arrival time - Within 7 to 10 days
Representative Example: 17.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 17.9% p.a. (variable)

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

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

Any incorrect details for example, will not only make it more likely that your application could be refused, but any manual checks required by incorrect information, can also increase the length of time that it takes for the credit card to arrive.


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