List of Credit Reporters
Staples
URL: www.staples.com
Phone: 1-800-333-3330 Staples / 1-800-733-2713 CitiBank
Service Description: Staples is the world’s largest office products company and second-largest internet retailer. For 26 years, Staples has served the needs of business customers and its vision is to provide every product businesses need to succeed. Through its world-class retail, online and delivery capabilities, Staples offers office supplies, technology products, and services, facilities and breakroom supplies, furniture, copy and print services and a wide range of other product categories. With thousands of associates worldwide dedicated to making it easy for businesses of all sizes, Staples operates throughout North and South America, Europe, Asia, Australia, and New Zealand. The company is headquartered outside Boston.
Reports to: D&B, Corp Experian/Equifax (every 30 days)
Getting Approved: Standard credit check, nothing specific
Payment Terms:
Business Account: Net 15 minimum payments and carry-over balance.
Commercial Revolving Account: Net 30 (Pay in full each month)
Office Max
URL: http://www.officemax.com/
Phone: 1-888-462-5870
Service Description: OfficeMax Incorporated is a leader in integrating products, solutions, and services for the workplace, whether for business or at home. The OfficeMax mission is simple: We provide workplace innovation that enables our customers to work better. The company provides office supplies and paper, print and document services, technology products and solutions, and furniture to businesses and consumers. OfficeMax consumers and business customers are served by approximately 29,000 associates through OfficeMax.com
Reports to: Corporate Experian and Equifax (If the applicant wants Office Max to D&B they must request it). The initial report can take between 60-90 days, after that, they report every 30 days.
Getting Approved: Credit check on the company
Payment Terms: Net 25 revolving
Application:
The Office Max Business Credit Card
https://www.citicards.com/cards/
Other Information: If applying in-store the approval process can take up to 5 minutes. If applying online the approval process can take up to one week and the applicant will be notified by a letter in the mail. Once approved the applicant will receive their card in the mail within 7-10 business days (2 weeks).
Reliable Office Supplies
URL: www.reliable.com
Phone: 1-800-359-5000
Service Description: Reliable Office Supplies, the small business division of Office Max, has over 30,000 items available and offers exclusive discounts and Five Star Guaranteed service. Premier program members will enjoy and column pricing on all order and access to a full line of office products, technology, furniture, paper, janitorial and break-room supplies and much more.
Reports to: D&B, Experian, Equifax (Reports after 30days)
Getting Approved: 1) Go to https://www.reliable.com/profile/loginOrRegistration.jsp?clickLink=myAccount and create an online account. 2) Purchase your item(s). 3) Once the item(s) has been purchased you will fill a credit application and a credit review will be performed. 4) Depending on what comes back from the credit review, you will be contacted and given options on what you are qualified for.
Payment Terms: Net 30
Application: Once you place your order you will receive a credit application.
Other Information: The approval process takes between 1-5 minutes. In some cases, the application may need further review. If your application is approved you will receive your credit card in the mail between 7-10 business days (2 weeks). If you are not approved you will receive a letter in the mail informing you of the reasons.
WEX
URL: www.wexinc.com
Phone: 1-800-761-7181
Service Description: WEX today provides category-leading fleet, corporate and prepaid payment solutions across a wide spectrum of business sectors around the globe. Our portfolio of business encompasses a MasterCard-branded corporate card; TelaPoint, a provider of supply chain software solutions for petroleum distributors and retailers; Pacific Pride, an independent fuel distributor franchisee network; and international subsidiaries.
Through the efforts of more than 1,300 associates around the world, WEX will continue to provide its clients with unparalleled services and precise solutions to help them pursue ambitious goals and improve business efficiency.
Reports to: D&B, Experian, Equifax
Getting Approved: no set score, standard credit check, no delinquencies.
Payment Terms: Net 26 (every 30 days)
Seton
Phone: 1-800-571-2596
Service Description: Since 1956, Seton has been the Source for Safety, Labeling and Signage Solutions. We offer more than 250,000 products – both online and in our catalogs – which are designed to increase workplace safety and enhance facility marking applications for our millions of customers around the globe.
Reports to: D&B
Getting Approved:
Payment Terms:
Application: No application, must create an account: https://www.seton.com/customer/account/create/
Vendors for Building & Industrial Supplies
Home Depot
URL: www.homedepot.com
Phone: 1-866-875-5489
Service Description: The Home Depot® is the world’s largest home improvement specialty retailer, with more than 2,200 retail stores in the United States (including Puerto Rico and the U.S. Virgin Islands), Canada, and Mexico.
Reports to: D&B, Experian, Equifax
Getting Approved: You must be in business for at least three years for Home Depot to NOT require a personal guarantee. Also if under 3 years in business they will pull a business credit report. They require an EIN to apply.
Payment Terms: Net 25/30 (Reports every 30 days)
Macy’s
URL: www.macys.com
Phone: 1-877-493-9207
Service Description: Macy’s, Inc. is one of the nation’s premier omnichannel retailers, with fiscal 2012 sales of $27.7 billion. The company operates the Macy’s and Bloomingdale’s brands with about 840 stores in 45 states, the District of Columbia, Guam and Puerto Rico under the names of Macy’s and Bloomingdale’s; the macys.com and bloomingdales.com websites, and 12 Bloomingdale’s Outlet stores. Bloomingdale’s in Dubai is operated by Al Tayer Group LLC under a license agreement. Macy’s, Inc.’s diverse workforce includes approximately 175,700 employees. Prior to June 1, 2007, Macy’s, Inc. was known as Federated Department Stores, Inc. The company’s shares are traded under the symbol “M” on the New York Stock Exchange.
Reports to: D&B, Corporate Experian and Equifax
Getting Approved: A credit check application would need to be filled out. Fair (640-680) credit is needed. You must also have a D&B score which they will compare to your industry average to decide on approval. Banking references might also be required. No personal guarantee for corporate accounts.
Payment Terms: Net 30 (Reports every 60 days)
Application: https://www.macys.com/service/credit/applynow/creditapp.ognc?cm_sp=navigation-_-bottom_nav-_-apply_now_save
Other Information: You will find out within 5-10 minutes whether you are approved or not. If approved, the credit card would arrive within 7-10 business days (2 weeks)
Office Depot
URL: http://www.officedepot.com/
Phone: 1-800-733-2815
Service Description: Office Depot, Inc. is a global supplier of office products and services. The company was incorporated in 1986 with the opening of our first retail store in Fort Lauderdale, Florida. In the fiscal year 2012, we sold $10.7 billion of products and services to consumers and businesses of all sizes through our three business segments:
North American Retail Division, North American Business Solutions Division, and International Division. Sales are processed through multiple channels, consisting of office supply stores, a contract sales force, an outbound telephone account management sales force, internet sites, direct marketing catalogs and call centers, all supported by our network of supply chain facilities and delivery operations.
Reports to: D&B, Corporate Experian and Equifax (reports every 30 days)
Getting Approved: Credit check on overall business history. They will check your business credit profile with D&B and/or Experian. If there is insufficient credit with one agency, they will check the other. Little or no business credit with either may require a personal guarantee. Even with a PG, they report in the business name only, except if you default on the account. Spending amount is based on credit scores.
Depending on your time in business and credit profile, they may require trade references. When you fill out the application you can choose to leave the personal guarantee field blank. However, you will have to resubmit an application in the store or fax if you do not get approved on business credit alone.
If you do fill out the PG section they will still first check your business credit. If it is not sufficient, only then will they use the PG. After submitting online, they will notify you in writing of your approval with 7-10 business days.
Payment Terms: Revolving/Net 30
ExxonMobil
URL: ExxonMobilCard.com
Phone: 1-800-903-9966/1-800-627-342
Service Description: ExxonMobil Fuels & Lubricants (F&L) is a leading marketer of finished lubricants, asphalts, and specialties products, as well as one of the world’s largest suppliers of base stocks. Our global brands identify ExxonMobil products that are sold around the world.
Reports to: D&B, Experian, Equifax
Getting Approved: no set score, standard credit check, no delinquencies.
Payment Terms: Net 26 (every 30 days)
Application:
ExxonMobil Business Card: https://www.accountonline.com/ACQ/RPL/Web/
ExxonMobil Fleet Card: https://www.fleet.exxonmobilfleetoffers.com/boca/
Other Information: Fill out credit application, whether you are approved or not you will be contacted by the credit dept. If approved the credit dept. will go over the credit options. The credit dept. will let you know what you will receive in the mail and when.
Shell Fleet Card
URL: www.shell.com
Phone: 1-888-987-4355
Service Description: Shell Oil Company is the U.S. subsidiary of the Netherlands-based Royal Dutch Shell plc, the third-largest energy company worldwide; Shell Oil sells one of the most recognizable brands of gasoline in the U.S. Drawing from its oil and gas fields in California, Texas and the Gulf of Mexico, Shell Oil currently operates more than 22,000 service stations around the country.
Shell Oil also explores for, produces and markets oil, natural gas, chemicals, and electricity directly to residential and small business customers.
Less prominent but fast-growing units in the company, such as Renewables and Shell Hydrogen, are cultivating lower-carbon energy sources like hydrogen fuel. Its parent company, Royal Dutch Shell, has more than 120,000 employees in over 145 countries around the world; Shell Oil’s U.S. headquarters is located in Houston.
Reports to: D&B, Experian, Equifax
Getting Approved: Users have reported to D&B scores of at least 70 and Experian scores of at least 650 for approval. No personal guarantee with business credit history established. Newer businesses with no credit history can provide a personal guarantee.
Payment Terms: Net 30/Revolving
Application:
Shell Fleet Credit Card:
https://www.accountonline.com/ACQ/RPL/Web/
Shell Fleet Plus Card:
https://www.accountonline.com/ACQ/RPL/Web/Apply?
Sinclair Oil
URL: www.sinclairoil.com
Phone: 801-524-2700
Service Description: Sinclair operates two of the most up-to-date refineries in western America, supplying customers the highest quality Sinclair gasoline, diesel fuel, and jet fuel. The Sinclair Refinery near Rawlins, Wyoming, is one of the West’s longest-running industrial plants, yet Sinclair has made it one of the most modern refineries in the Rockies, producing 60,000 barrels of petroleum products per day. Sinclair’s Little America Refinery in Casper, Wyoming, refines 20,000 barrels of petroleum products per day.
Reports to: D&B, Corp. Experian, Corp. Equifax (Reports every 30 days)
Getting Approved: Standard credit check, nothing specific
Payment Terms: Non revolving – Must be paid in full – Depending on the approval you will be put on a payment cycle, Cycle 1: First week of the month, Cycle 2: Second week of the month, Cycle 3: Third week of the month, Cycle 4: Fourth week of the month.
Application:
Sinclair Credit Card:
https://www.sinclairoil.com/credit_services.html
Sinclair Platinum Visa Card:
https://www.firstnational.com/dynapp/
Other Information: Approval can take 7-10 business days. Once you are approved you will receive your card in the mail in 7-10 business days. If you are not approved you will receive a letter in the mail on the reason why and whom you contact to discuss the issues.
Quill
URL: www.quill.com
Phone: 1-800-982-3400
Service Description: Despite its old-fashioned name, office supplies retailer Quill is a staple in the office. It distributes products to more than 1 million small and midsized US businesses. To compete with superstores, the company markets some 65,000 products under the Quill brand, as well as under the Bic, Hewlett-Packard, Mead, Papermate, and Xerox names. It sells office supplies and furniture, including technology products such as cameras and monitors, through a catalog and its website. Quill also equips medical professionals with workplace goods through its Medical Arts Press unit. Founded by Jack Miller in 1956, Quill is owned by office retailer Staples, which counts Quill among its North American Commercial segment.
Reports to: D&B, Corp. Equifax (Every 4 weeks)
Getting Approved: Length of time in business and industry
Payment Terms: Net 30
Costco
URL: www.costco.com
Phone: 1-800-774-2678 (Costco) / 1-800-492-3344 (AmEx)
Service Description: Costco Wholesale Corporation operates an international chain of membership warehouses, mainly under the “Costco Wholesale” name, that carry quality, brand name merchandise at substantially lower prices than are typically found at conventional wholesale or retail sources. The warehouses are designed to help small-to-medium-sized businesses reduce costs in purchasing for resale and for everyday business use. Individuals may also purchase for their personal needs.
Costco’s warehouses present one of the largest and most exclusive product category selections to be found under a single roof. Categories include groceries, candy, appliances, television and media, automotive supplies, tires, toys, hardware, sporting goods, jewelry, watches, cameras, books, housewares, apparel, health and beauty aids, tobacco, furniture, office supplies, and office equipment. Costco is known for carrying top-quality national and regional brands, with 100% satisfaction guaranteed, at prices consistently below traditional wholesale or retail outlets.
Reports to: D&B, Experian, Equifax (every 30 days)
Getting Approved: Credit check on cardholder personal credit
Payment Terms: Net 30
Land’s End Business Outfitters
URL: www.ocs.landsend.com
Phone: 1-800-587-1541
Service Description: Trust Lands’ End Business Outfitters for all of your business clothing, uniform clothing, corporate gift, and promotional product needs. Our top-quality custom logo clothing, corporate apparel, and promotional products include embroidered polo shirts, embroidered dress shirts, business outerwear, screen-printed t-shirts and sweatshirts, drinkware, bags, totes and more. We have the experience to put together a custom uniform program with sizes that fit men and women beautifully. Our expert embroidery creates custom shirts people want to wear, even after work. Or select from our full line of custom giveaways, employee gifts and client incentives people use, again and again. Select perfect promotional products to make your company or team stand out from the crowd.
Dell
URL: https://dfs.dell.com/Pages/DFSHomePage.aspx
Phone: 1-866-413-3355
Service Description: Dell Inc. (Dell) is a global information technology company that offers its customers a range of solutions and services delivered directly by Dell and through other distribution channels. Dell is a holding company that conducts its business worldwide through its subsidiaries. The Company operates in four segments: Large Enterprise, Public, Small and Medium Business, and Consumer.
Reports to: D&B (every 1st of the month)
Getting Approved: Credit check performed with D&B, Corporate Equifax and Experian. Members regularly approved with $10K with a Paydex score of 75 or above with D&B. We recommend you do NOT apply until your business credit scores have been initially established and you have been in business at least 6 months. They will also check personal credit in most cases. To apply, they require current employer name, SSN, birth date, mother’s maiden name and identification numbers (driver’s license, state ID, passport…)
Payment Terms: Net 30 – Revolving credit
Walmart
URL: www.walmart.com
Phone: 1-800-WALMART (925-6278) / 1-877-294-7548 (Walmart Credit Services)
Service Description: All of the stores in our worldwide Wal-Mart family remain committed to one mission: saving people money so they can live better. Every week, 176 million customers visit an ASDA, Mi Bodega Aurrera, Changomas, Neighborhood Market, Sam’s Club, Seiyu, Superama, Wal-Mart store, Supercenter or one of our many other formats around the globe. In each of the markets where we operate, we work to leverage our strengths as a global company while meeting the local needs of customers and communities around the world.
Reports to: D&B (Every 20 days)
Getting Approved: Verifying company information (EIN, Business License, etc.) Will look at the D&B profile, years in business
Payment Terms: Net 20
Application: https://www.onlinecreditcenter4.com/EApplyCommercial/load.do?cHash=9941244770
Lowe’s
URL: www.lowes.com
Phone: 1-800-445-6937
Sears
URL: https://www.citibank.com/us/cards/srs/
Phone: 1-800-917-7700
Service Description: Sears, Roebuck, and Co. haven’t outgrown the mall scene, but it’s spending more time in other places. Beyond its 840 US mall-based stores, Sears has more than 1,400 other locations nationwide. These include more than 900 independently owned Sears Hometown Stores (formerly known as dealer stores) in small towns, 105 Sears hardware stores, and about 30 free-standing Sears Auto Centers. Sears’ stores sell apparel, tools, and appliances (Kenmore), and provide home services (remodeling, appliance repairs) under the Sears Parts & Repair Services and A&E Factory brands. It also operates a growing online business. Sears was acquired by Kmart Holding Corp. in 2005. The deal formed Sears Holdings, which owns both chains.
Reports to: D&B, Experian, and Equifax (
Getting Approved: no set score, standard credit check, no delinquencies. Sears requires a good business credit score from D&B. If you do not have good scores with D&B, they will also check Experian and Equifax. If they determine your credit history is strong enough, then they do not require a personal guaranteed unless your business credit is exceptional. Leave the SSN area blank to try to qualify under the business name only. You will need to provide the EIN number.
Payment Terms: Net 30
Chevron/Texaco
URL: www.chevrontexacobusinesscard.com
Phone: 1-866-435-3201
Service Description: Chevron is one of the world’s leading integrated energy companies. Our success is driven by our people and their commitment to get results the right way—by operating responsibly, executing with excellence, applying innovative technologies and capturing new opportunities for profitable growth. We are involved in virtually every facet of the energy industry. We explore for, produce and transport crude oil and natural gas; refine, market and distribute transportation fuels and lubricants; manufacture and sell petrochemical products; generate power and produce geothermal energy; provide renewable energy and energy efficiency solutions; and develop the energy resources of the future, including research into advanced biofuels.
Reports to: D&B
Getting Approved: Need a Paydex of 75 with D&B and to have been in business for at least 18 months to avoid a personal credit check. If you have been in business for less than 18 months, they will probably require a PG. You can try to apply without it first if you think your Paydex score is strong enough, but they may tell you they need a PG if you apply online, fill in the personal information section. If you have been in business for more than 18 months and you apply online, fill in the personal information section. If you have been in business for more than 18 months and you apply online, do NOT give them your SSN, home address, ext. Put your business address information… in the fields and enter all 1’s or 5’s on the form for the SSN so they form will be accepted.
Payment Terms: Weekly, Bi-Weekly, Monthly. (Weekly, Bi-Weekly, Monthly)
Sam’s Club
URL: http://www.samsclub.com/sams/pagedetails/content.jsp?pageName=082009_00004
Phone: 1-888-746-7726
Service Description: Sam’s Club is an American chain of membership-only retail warehouse clubs owned and operated by Walmart Stores, Inc., founded in 1983 and named after Walmart founder Sam Walton. As of 2012[update], Sam’s Club chain serves 47 million U.S and Puerto Rican members and is the 8th largest U.S. retailer. As of January 31, 2008 (2008-01-31)[update] Sam’s Club ranks second in sales volume among warehouse clubs behind Costco, despite the fact that Sam’s has more retail locations.
Reports to: Equifax
Getting Approved: Do not apply for this no PG account until you have at least 10 reporting tradelines, an open D&B file, and a minimum $10K high limit reporting from another account under your business name. It is preferable that you walk in and apply in person. Fill out the application online, print it out, and bring it into a local Sam’s club. You will want to leave the personal guarantee section blank. We have found in the past, that some employees at Sam’s club will be persistent with you to complete this. They simply do not know that Sam’s Club will process your application even though this is blank, as long as your business credit is strong enough. Because this section is left blank you application will take longer to process, please allow 2-4 weeks. EIN number required. Be sure to include a copy of a voided business check, copy of a utility bill showing the business address and phone number, and a copy of your business license (if you do not have a business license, then just include the avoided check and utility bill).
Payment Terms: Cycle 23 (Payments locked on the 23rd of the month), Reports Daily to D&B and Equifax
Application: Download online:
Sam’s Club Business Credit: https://www.onlinecreditcenter2.com/sams/dualcard/SC_BUS_DualApp.pdf
Sam’s Club Discover Card: https://www.onlinecreditcenter2.com/sams/dualcard/SC_BUS_DualApp.pdf
Best Buy
URL: http://www.bestbuy.com/site/Finance/Credit-Cards/pcmcat102500050032.c?id=pcmcat102500050032
Phone: 1-888-237-8289
Service Description: Best Buy is the world’s largest multi-channel consumer electronics retailer with stores in the United States, Canada, China, Europe and Mexico. We are the 10th largest online retailer in the U.S. and Canada, we have the number one customer loyalty program of its kind and more than 1.6 billion visitors to our websites and stores each year. Our more than 165,000 employees are committed to helping deliver the technology solutions that provide value, enabling access to people, knowledge, ideas, and fun – whether online, via mobile device or in our stores.
Reports to: Experian, Equifax, Transunion
Getting Approved: Credit check performed – Fair credit required (641-680)
Payment Terms: Net 30
Application:
Other Information: You can apply online or in-store. The process takes 5 minutes. Some applications may need further review and that process can take up to 2 weeks and the applicant will be notified of the decision via mail. If approved the applicant can expect to receive their card in 7-10 business days (2 weeks) in the mail. If the card takes longer than 2 weeks, please call customer service.
Love’s
URL: http://www.loves.com/Default.aspx
Phone: 1-800-388-0983
Service Description: At Love’s, we’re passionate about providing friendly service and clean, modern facilities stocked with the fuel, food, and supplies drivers need to keep them going. We were founded on this idea in 1964, and it remains our guiding principle more than 40 years later: “Clean Places, Friendly Faces”.
Today, Love’s operates two main types of facilities. Love’s Country Stores are fueling stations with an attached convenience store. The larger Love’s Travel Stops are located on interstate highways and offer additional amenities such as food from national restaurant chains like Subway, Arby’s, and Carl’s Jr., as well as trucking supplies, showers, and RV dump stations.
Reports to: D&B (every 30 days)
Getting Approved: Company credit check
Payment Terms: Net 7
Application: https://www.loves.com/HomeLinks/FleetCustomers/ExpressFleetCard/ExpressFleetCardApplication.aspx
Southwest Airlines
URL: http://www.southwest.com/
Phone: 1-800-792-0001
Service Description: With 40 consecutive years of profitability, Dallas-based Southwest Airlines (NYSE: LUV) continues to differentiate itself from other carriers with exemplary Customer Service delivered by nearly 46,000 Employees to more than 100 million Customers annually. On May 2, 2011, Southwest completed the acquisition of AirTran Holdings, Inc., and now operates AirTran Airways as a wholly-owned subsidiary. Southwest is the nation’s largest carrier in terms of originating domestic passengers boarded and, including AirTran, operates the largest fleet of Boeing aircraft in the world to serve 97 destinations in 41 states, the District of Columbia, the Commonwealth of Puerto Rico, and six near-international countries. Southwest has lower unit costs (adjusted for stage length), on average, than virtually all major domestic airlines and consistently has one of the best overall Customer Service records. Southwest’s all-Boeing fleet consistently offers leather seating and the comfort of full-size cabins. The majority of Southwest’s fleet is equipped with a new, eco-friendly cabin interior, and satellite-based WiFi connectivity, including a new in-flight entertainment portal, which gives Customers the ability to watch live TV, news, sports, and movies.
Reports to: D&B, Corporate Experian and Equifax (Reports every 30 days)
Getting Approved: Credit check on overall company history
Payment Terms: Net 30
Delta Airlines
URL: www.delta.com / Phone: 1-800-519-6136
Service Description: Delta Air Lines, Inc. (Delta) provides scheduled air transportation for passengers and cargo throughout the United States and around the world. The Company’s route network gives it a presence in every domestic and international market. Delta’s route network is centered around the hub system it operates at airports in Amsterdam, Atlanta, Cincinnati, Detroit, Memphis, Minneapolis-St. Paul, New York-JFK, Paris-Charles de Gaulle, Salt Lake City, and Tokyo-Narita. Each of these hub operations includes flights that gather and distribute traffic from markets in the geographic region surrounding the hub to domestic and international cities and to other hubs. The Company’s network is supported by a fleet of aircraft that is varied in terms of size and capabilities.
Central Restaurant Products
URL: http://www.centralrestaurant.com/index.aspx / Phone: 1-800-215-9293
Service Description: Since 1981, our more than 250,000 customers have come to know Central as their chosen provider to find virtually anything needed for the food service industry. We are committed to delivering you expert solutions with the personal attention you deserve.
Reports to: D&B
Getting Approved: Credit check on personal and business credit
Payment Terms: Net 15/30
Secured Fleet One Card
URL: www.fleetone.com
Phone: 1-800-359-7587
Service Description: The Fleet One Card can be used to pay for fuel, tires, brakes, regular maintenance, etc. Fleet One Cards are also accepted at Kroger owned grocery and convenient stores. This includes: CityMarket, Dillons, Food4Less, FredMeyer, Fry’s, Hillander JayC, KingSoopers, Kroger, Owen’s, PayLess, QFC, Ralph’s, and Smith’s
Reports to: D&B (Reports after 30 days)
Getting Approved: There will be a personal (Equifax) and business (D&B) credit check performed. Both credit scores must be 620 or better, or if below 620 there cannot be any delinquencies. The company must have an EIN (Employer Identification Number) and for a fleet a DOT (Department of Transportation) number (http://www.fmcsa.dot.gov/registration-licensing/registration-overview.htm).
Payment Terms: Net 30
Application: Local: https://onlineservices.secure.force.com/appl/
Other Information: No transaction fees. Will pay cash prices vs. credit prices at gas stations. $6.00 monthly for each actively used card. The applicant will find out if they are approved or not within 24 hours. If approved the applicant can expect to receive their card in 5 days, it will arrive via FedEx. If the applicant needs the card sooner, it can be sent overnight for an extra $25.00 and it can be billed to the card.