Being without a credit card can be a major hassle, so it can be stressful waiting to receive a new or replacement card in the mail. Exactly how long will it take to receive the new card?
Generally, most credit card companies will tell you that it will take 7 to 10 days to receive your card. Usually, though, cards are mailed the same or next day, so you could receive yours in closer to 4 or 5 days.
Factors that Can Slow Delivery
While most cards are mailed immediately, there are some factors that can hold up delivery, including:
- Missing or incomplete application information. If you make a mistake filling out your application, the provider will need to double-check the information, which can delay card issuance.
- Top Tier Cards. Cards that have the best rewards and high annual fees, such as the Chase Sapphire Reserve, may go through a manual review instead of the computerized automatic approval process. This means you may have to wait longer for your card.
- Lost or Stolen Cards. Replacement credit cards may take longer to receive, as the credit card company will have to erase your old card number from their systems before issuing a new one.
- Weekends. If you order a new card on Saturday or Sunday, the card issuer will not be able to send it until Monday.
Expediting the Process
Some credit card companies offer expedited shipping for cards, but you will have to ask your issuer if this service is available.
Another way to speed delivery is to call the day after you place your order. When you call to check the status of your shipment, it lets your issuer know that you are waiting on your card, and the representative may expedite things for you.
Visit Your Branch
If you need a new debit card, a trip to your financial institution may be the fastest way to get one. Some banks and credit unions have a card printer on-site, and they can create a new card for you. It will not have the raised numbers, but it will have a magnetic stripe, so you can use it at checkouts.
Temporary Card Numbers
If you need a payment method immediately, your credit card company may give you a temporary number. While this cannot be used in stores, it can be used online or over the telephone. This temporary card number will be invalidated once your new credit card arrives and is activated.