how long does it take to get credit?

Question

i have good credit and after doing an aplication for a third credit card it says i have to wait 30 days.

arent their banks that can approve you in minuets? or is it becuase i also made a request for a balance transfer for 0% for 12 months?

my credit score is 734 and i have all unsecured credit for 3 years

Answer 1

It's not unusual for a creditor to tell an applicant it will take 30 days. Not all creditors give instant approvals no matter if the applicant has good or bad credit.

Some times it may take the full 30 days.
Sometimes the applicant will find out they are approved when they actually receive the card a week or two after getting the 30 day notice. (or receive a denial letter after a week or two)

Give them several days then call them and ask about the status of your application.

Answer 2

Remember it is all up to the banks, keep trying some one of them will check the risk and if there is a lot of risk they will give you credit.
Meaning a lot of risk ,of you not paying on time.
That is why they take that long, you have good credit, and with that smart move ah!
They approve people with bad credit in mins.

Answer 3

Banks are required to respond within 30 days of accepting the application.

Answer 4

Many of these cards will give you instant approval.
http://pwindham.NewCreditApplications.com