text: why is it taking 30 days to get a response from an online credit card application? i applied online yesteray for my first credit card and they said i would get a response within 30 days.  why does it take so long?  is it because i have no credit and it was a student credit card? also, i said i had both savings and a checking account but right now i only have a savings but will be getting a checking account on saturday.  is it ok that i said i had both a checkings and a saving? will it make them reject my application?  are they eager to give a credit card to someone like me, a young person likely to give them money for interest? i am just anxious about the whole thing.  i am going to be responsible with it because i am careful with all my money. the only thing more dangerous than someone with bad credit is someone with no credit. they are wary of you since you have no established credit, your a student blah blah blah. it takes them awhile to verify your status, residence, job (if you have one), and your account status. if you had established credit then it wouldn;t necessarily take this long to approve or deny your application. if you do get this one and are financilly responsible; when you apply for other cards in the future, the response time will be a lot quicker. basically, once they can pin you down, see you can make payments, you'll get it.