How Long Does it Take to Review a Charge Card Application?

A charge card application has to be processed by the company providing the credit line before it can be approved. This can take as little as a few hours, and up to a few weeks to complete. The time it takes to review a charge card application depends on a few factors. If a borrower has a great credit score and good relationship with the lender, the charge card application may be processed very quickly. On the other hand, if this is a borrower's first card, then it will typically take a little longer for the lender to review the application. Bad credit borrowers should expect longer delays in the application process.

Method of Application

Applying online typically provides the fastest approval time. However, applying online may also prevent a borrower from capturing the best deals available. Bad credit borrowers may consider applying online because they will already be ineligible for low rates and high limits. Good credit borrowers, on the other hand, will benefit from negotiating their terms with the lending institution. Since good credit borrowers will see less delays in the application process as is, spending a little more time at the negotiation table should not significantly hinder fast approval.


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