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How Long Does A Credit Card Take To Arrive?

How long does a credit card take to arrive? How long does it take to get a credit card in the UK? And, how long to get a credit card? These are all common questions that we see regularly on this topic

How long Does it Take To Get A Credit Card

Customers generally want to know how long it takes from completing an application for a new credit card, to when the new credit card is delivered to their home address, and ready to use.

Many customers when applying for new 0 interest credit cards, are keen to know how long does it take for a credit card to arrive. This is usually 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 A Credit Card?

Customers now make most new UK credit card applications online. Generally, these online application forms take between 5 to 10 minutes, and often less, to complete.

Many credit cards 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 has been done, they will then send out the physical card. The time that this takes, does vary between the different UK credit card companies.

So, how long does it take for a credit card to arrive? Well typically, customers can expect their new UK credit cards to arrive within 5 to 10 days, after completing their application. Some UK credit card companies can now deliver the new card in less than 5 days from the application date.

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


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)

Credit Card Details

M&S Transfer Plus*
  • 0% for 29 months on balance transfers made within 90 days of account opening
  • 2.75% balance transfer fee, minimum £5
  • 0% on purchases for 3 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
  • Manage account online
  • Annual Fee: None

Application Criteria

M&S Transfer Plus*
  • You are a UK resident
  • You have an annual income or pension of at least £6,800
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within the previous 12 months
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 29 months
Balance Transfer Fee:
2.75%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

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

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
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 22 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 22 months
Representative APR:
21.9% APR (variable)

Credit Card Details

M&S Shopping Plus*
  • 0% for 22 months on balance transfers made within 90 days of account opening
  • 2.9% balance transfer fee, minimum £5
  • 0% on purchases for 22 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
  • Manage account online
  • Annual Fee: None

Application Criteria

M&S Shopping Plus*
  • You are a UK resident
  • You have an annual income or pension of at least £6,800
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within the previous 12 months
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 up to 12 months
Balance Transfer Fee:
2.9%
Purchases:
0% for up to 12 months
Representative APR:
34.9% APR (variable)

Credit Card Details

Post Office Classic Credit Card
  • 0% on balance transfers for up to 12 months
  • 2.9% balance transfer fee
  • 0% on purchases for up to 12 months
  • Credit limit up to £8,000
  • Online account management
  • Annual Fee: None

Application Criteria

Post Office Classic Credit Card
  • You are a UK resident
  • You have a bank or building society account
  • You are aged 18 or over
Representative Example: 34.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 34.9% 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)

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

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
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

How Long To Get A Credit Card?

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. The delivery process will be slowed down by any referral checks which are required by incorrect information. This is likely to increase how long it takes for your credit card to arrive.

The length of time that credit cards take to arrive can be affected by any delays within the postal service. This could include strikes, exceptional bad weather, or delays over any bank holiday periods.


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Published: October 20, 2021, Updated: October 20, 2021 by 0% Credit Card Expert

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