What are the usual turnaround times?

For underwriting purposes, usually 24-48 hours max on an underwriting decision. If it’s very borderline sometimes it can extend a day or so past that. Once an applicant is approved the card takes approx 10-12 business days to arrive along with the welcome package to the clients listed address. If declined, the client will receive a mail piece approx 5-7 business days from the decline.