How long does it usually take for a decision to be made after applying for a credit card?

Most credit card issuers state that notice will be given as to whether or not a credit card application has been approved within 10-14 days, sometimes sooner.  This usually only includes business days and not the weekends or holidays.  During this time the issuer is reviewing your credit history and matching that up with a credit limit and interest rate offer.  If you haven’t heard back in 14 days, you can always call to follow up.  There are some credit cards that will give you an instant decision online, but most do not.

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