Torrid Credit Card Approval Time (2024)

FAQs

How long does it take to get approved for a Torrid credit card? ›

You can get approved for the Torrid Credit Card immediately after applying if your application meets the issuer's exact criteria. However, if you don't get a decision immediately after applying, it doesn't mean you won't have a shot after your application is reviewed in more detail.

As long as you have a bit of credit experience and no major negative marks on your credit report, you should be able to get approved for the Torrid Insider Credit Card. That might surprise you given the card's impressive rewards, but store cards are known for having relatively lenient approval standards.

Getting approved for a credit card can be a fairly quick process — sometimes taking just seconds. Other times, it can be much slower, with issuers making you wait up to 30 days. Once approved, you'll typically receive your card within a week, though some issuers will get it to you earlier or later than that.

However, once you've been approved, most companies will mail you the card within an average of 7-10 business days. If you choose to mail in your application, or something happens to your card along the way, this will add additional length to your timeline.

All orders take 1-2 business days to process, regardless of the shipping method used. Please keep this in mind when selecting shipping options. Orders are shipped Monday through Friday.

Here's the average credit limit of members who matched their Torrid Credit Card or similar cards. The average credit limit for members who have matched with this card or similar cards is $857, with $750 being the most common.

Note: Your Torrid credit card account is issued by Comenity Bank.

If you have the 7-10 day message, this likely means you were rejected. You can either wait for a letter or immediately call the reconsideration line to see if they will approve you.

Why is my credit card approval taking so long? ›

Common reasons for a pending application include frozen credit reports, mistakes on the application and too many recent credit inquiries. To increase your chances of approval, make sure the card is a good fit, double-check the application information before submitting and make sure your credit reports are unfrozen.

Contact the credit card issuer to check the progress of your application. Before applying for any credit card, check your credit report and credit score, and take steps to improve your credit if necessary.

Major credit card issuers will often instantly approve you for a card, though this isn't guaranteed. Many credit cards that boast instant approval are targeted toward people with bad credit or no credit, and may come with high fees and APRs.

Not every issuer offers instant-use credit cards, but some that do include American Express, Capital One and Chase. Depending on the card, these issuers generally give you your card numbers online or via a digital wallet so you can shop in-person or online right after being approved.

But keep in mind that a credit card issuer must make a decision on your application within 30 days. If you're approved, the card could still take 10 full business days to arrive after approval.

Credit card issuers are required by law to respond within 30 days, but online applications may be approved in a few minutes.

You can check your credit card application status by calling the customer service number for the issuer. Most credit card issuers also let you check your application status online. (In some cases, this is an option only if you applied for the card online.)

In many cases, it takes only a few minutes to get approved for a credit card. In some cases, however, it takes a few days for a lender to evaluate and respond to your application.