How Long Does It Take To Get Cibc Credit Card
Getting Your CIBC Credit Card: A Thorough How-To Guide
In this high-paced financial world, having a credit card is almost a necessity. The Canadian Imperial Bank of Commerce (CIBC) offers a variety of credit cards, designed to cater to all your monetary needs. But once you've applied, how long does it take to get a CIBC credit card? This guide will delve into the specifics, detailing the process through three channels: online banking, mobile app, and customer service calls.
1. Online Banking
When you've chosen to apply for a CIBC credit card through online banking, the process is comparatively streamlined and swift, thanks to modern technology. Here is a breakdown of what to expect:
- Application Processing: This typically takes 2 business days and requires you to fill in your personal and financial details.
- Approval and Dispatch: After the bank validates your information, approval is instant. Your card will be dispatched via mail, which could take 7 to 10 business days, depending on your location.
Tips for Online Banking:
Keep track of your application by frequently checking your online bank account. If there seems to be an unnecessary delay, reach out to customer service immediately.
2. Mobile App
CIBC's Mobile Banking App is an alternative for those who prefer doing their banking tasks on-the-go. Here's what to expect:
- Application Processing: Similar to online banking, this takes approximately 2 business days. Their user-friendly interface makes filling in your details easy.
- Approval and Dispatch: You'll receive an instant e-mail confirmation upon approval. It takes 7 to 10 business days for your card to arrive via the mail.
Tips for Mobile App:
Make sure you install the latest version of the app for a smooth application process. Have necessary documents at hand during the application process. Reach out to customer service if any confusion arises.
3. Customer Service Call
Should you not be comfortable with internet banking, applying for a CIBC credit card via a customer service call is equally efficient. The steps include:
- Application Processing: This may take a bit longer (3-4 business days), as it involves human interaction. Be ready to answer several questions regarding your personal and financial situation.
- Approval and Dispatch: Once approved, the bank will dispatch your card. Be prepared to wait 7-10 business days for your card to arrive in the mail.
Tips for Customer Service Calls:
Ensure you have enough time for the call, as it can take longer due to possible wait times. Be patient, have your vital documents close to hand, and do not be hesitant to ask for clarification on any point you don't understand.
To conclude, the time it takes to get your CIBC credit card mostly depends on the method you choose and your location. Keep this guide handy to navigate through the process with ease.