How long does it take to get a Discover card?

Discover it approval odds are difficult to predict in many cases. Eight different Discover it credit cards are available, for one thing. So while it’s easy to say that Discover it Secured offers very high approval odds, for example, the fact that most other Discover it cards require at least good credit for approval complicates things. Discover it approval odds aren’t the same for every applicant, either. Someone with perfect credit clearly will have a better chance at getting any Discover it card than someone with limited or bad credit, for instance.… read full answer

Plus, only Discover knows the exact approval criteria for Discover it cards, and they’re not about to share the recipe. Sure, we know you need a certain minimum credit score for each card, plus enough income or assets to pay your bill, in light of your existing debt obligations. But each credit card company analyzes the data a bit differently.

So the best guidance we can give is that you should have a pretty good shot at being approved for a Discover it card if you meet its minimum credit score requirement.

Here are the credit scores required for good Discover it approval odds:

• Bad Credit: Discover it® Secured
• Limited or No Credit: Discover it® Student Cash Back
• Limited or No Credit: Discover it® Student chrome
• Good Credit: Discover it® Cash Back
• Good Credit: Discover it® Miles
• Good Credit: Discover it® chrome
• Good Credit: NHL® Discover it®

The lower a credit card’s minimum credit score is, the higher your approval odds will be. So Discover it Secured has the highest approval odds in the Discover it family. If you don’t know your credit score, you can check it for free on WalletHub. WalletHub is the only website where credit scores and reports update daily.

It usually takes 14-24 business days to get a credit card, from the time you submit an application to when it arrives in the mail. But it’s possible to get a credit card in as little as a week if you apply online and request expedited delivery. Some issuers will even give you an account number to use for purchases before you receive your physical card. … read full answer

A lot depends on your credit standing, the card you pick and how you apply for it. Each credit card issuer has its own approval criteria and timelines, after all. But there are several steps you can take to speed things up.

Here’s how to get a credit card faster:

1. Get preapproved: If you’re interested in a card from a certain issuer, you can also see if they have a preapproval check. If you’re preapproved for a credit card, your instant approval chances increase quite a bit.
2. Apply online: Online applications are always best because they send your data to the issuer right away. You also have a chance of being approved instantly if your credit exceeds what the issuer is looking for. You could consider applying for credit cards that are a little below your own credit range if you want the best chance of instant approval. But it might be better to risk waiting a little longer to get a card with greater benefits.
3. Frequently check for approval: If you’re not approved or denied instantly, the credit card issuer needs more time to verify and evaluate your information. This could take a few weeks. But most credit card companies allow you to quickly check the status of your application online or over the phone.
4. Speed up delivery: In almost all cases, it’ll take 7-10 business days for your credit card to reach you. But many companies allow you to pay for expedited shipping or even pick up your card at a bank branch sooner. And some companies will let you get your number immediately. For example, by downloading the Capital One app, you can see the number and verification information for new cards right away, so you’re able to use them for online transactions.

A big part of getting a credit card is figuring out exactly which card to apply for. One way you can move through this more quickly is by signing up for a free WalletHub account. Based upon your credit, we’ll recommend cards you’re likely to be approved for.

Whichever card you choose, you should never have to wait more than a month to get a new credit card in your hand. But it’s natural to want a faster process. And you can have it. Just follow these steps, and you’ll have a better chance of making the total wait time closer to a week.