 TITLE: How Long Does It Take to Get a Secured Credit Card? CONTENT: The application process for secured and unsecured credit cards is similar. You will need to fill out the online application, and the card issuer will then evaluate your income and possibly other factors to determine your ability to repay any debt you incur on the card. The lender might request income documentation to verify your claims, and may or may not do a credit check.\nOnce you submit your application, you could receive a decision in minutes. If approved, you will find out your credit limit and the security deposit required to open the account. To make sure the process goes smoothly, it's best to have the funds for the deposit on hand. Cardholders typically receive their new secured card within seven to 10 business days, and can begin using the card right away.\nThere are instances where an approval decision cannot be made using the automated system. If this happens, expect written correspondence in the next seven to 10 days notifying you of the credit card issuer's decision. If you are not approved, the lender will send you a letter noting why and explaining your rights. END