How long does it take to get a merrick bank credit card in the mail?

AffiliatePal is reader-supported. When you buy through links on our site, we may earn an affiliate commission.



Getting a credit card from Merrick Bank can be an exciting prospect, especially if you’re looking to build or rebuild your credit. However, one common question that arises is how long it takes to receive a Merrick Bank credit card in the mail. In this article, we will explore the process and factors that can affect the delivery time of a Merrick Bank credit card.

The Application Process

Before delving into the timeframe for receiving a Merrick Bank credit card, it’s important to understand the application process. To apply for a Merrick Bank credit card, you can either visit their website or respond to a pre-approved offer you may have received in the mail. The application typically requires providing personal information, such as your name, address, social security number, and income details.

Once you have submitted your application, Merrick Bank will review it to determine your eligibility. This review process can take anywhere from a few minutes to a few weeks, depending on various factors such as the volume of applications they are receiving at that time.

Approval and Card Issuance

If your application is approved, Merrick Bank will proceed with issuing your credit card. They will typically send the card to the address you provided during the application process. The time it takes for the card to be issued and mailed can vary.

In some cases, Merrick Bank may offer an instant card number upon approval. This allows you to start using your credit card for online purchases before the physical card arrives in the mail. However, this instant card number may have certain limitations and may not be accepted at all merchants.

Mailing Time

Once your Merrick Bank credit card is issued, it will be mailed to you via standard mail delivery. The time it takes for the card to reach your mailbox will depend on various factors, including your location and the efficiency of the postal service.

On average, it can take anywhere from 7 to 10 business days to receive a Merrick Bank credit card in the mail. However, it’s important to note that this is just an estimate, and actual delivery times may vary. Some customers may receive their cards sooner, while others may experience delays.

Factors Affecting Delivery Time

Several factors can affect the delivery time of a Merrick Bank credit card. These include:

Location: The distance between Merrick Bank’s mailing facility and your address can impact delivery time. Customers who live closer to the facility may receive their cards faster.

Postal Service: The efficiency of the postal service in your area can also affect delivery time. Factors such as weather conditions or high mail volumes can cause delays.

Customization: If you have requested a customized credit card design, it may take additional time for the card to be produced and mailed.


In conclusion, the time it takes to receive a Merrick Bank credit card in the mail can vary. After approval, it typically takes 7 to 10 business days for the card to be delivered. However, factors such as location, postal service efficiency, and customization requests can influence the delivery time. It’s important to keep these factors in mind and allow for some flexibility when anticipating the arrival of your Merrick Bank credit card.