How Long Does It Take to Receive a New Credit Card?

November 25, 2014, Written By Lynn Oldshue
A woman with a laptop and a credit card, lying on the floor, iso

Whether you’re ordering a replacement credit card or getting a new card, waiting for it to come in the mail can feel like an eternity. If you’re on a time crunch of any kind, this wait can be even more stressful. How long does it take to receive a new credit card? That all depends on the card and the circumstances surrounding it.

Rule of Thumb: 7-10 Days to Receive a New Card

Most credit card companies will quote a time frame of 7-10 days for receiving a new card in the mail. This time is usually overestimated though as most cards are sent out the same day or the next day, and arrive in 4-5 days.

Factors That May Delay Your Credit Card

There are several factors that can cause your issuer to take longer than usual to release your card. These include:

  • Incorrect Application Information – The credit card provider may double-check the information on your application and delay issuing the card if errors occur.
  • High-Tier Credit Cards – Some of the cards that offer the best rewards and have the highest annual fees may go through a manual review, not just an automated one on the computer. In this case, you may wait a little longer.
  • Lost or Stolen Credit Cards – If you lose your credit card and need a replacement, you may have to wait a little longer as the credit card company updates its database. They have to wipe your old card number from the system before issuing a new one.
  • Timing – If you order your new card over the weekend, the provider may not be able to send it until Monday.

Expedited Shipping May Be Available

Some credit card providers may have an expedited shipping option, but for some reason, they may not offer that service to you. This is something you may have to ask for on your own. There is no guarantee that your card provider will offer fast shipping, but it cannot hurt to inquire about it.

You may also consider calling back the following day to check on the status of your credit card shipment. This will sometimes alert the company that you are waiting for your card, and the representative might manually speed up the process.

Some Banks Print Cards On-Location

If you need a new debit card, you might be able to get one just by going to your bank or credit union. Some financial institutions have card printers on location to generate a card. You won’t get a card with raised numbers at that point, but you will still get something with a magnetic strip that you can use. This may all change when America shifts to chip-and-PIN cards next year. But for now, it’s an option.

You May Get a Temporary Card Number

Your bank or credit card company may provide you with a temporary card number to use until your new card comes in the mail. You won’t be able to use this in a store, but you could potentially use it online or on the phone. The temporary card will have a different number or expiration date than your actual card, and it will become invalid once you activate your new credit card.



The information contained within this article was accurate as of November 25, 2014. For up-to-date
information on any of the terms, cards or offers mentioned above, visit the issuer's website.