do you need to go through the origination process for a credit card 
the application and approval process for a credit card isn t as thorough as it is for a loan in most cases the origination of a credit card involves filling out an application and getting a credit check done and you may be approved in a matter of a few days to a few weeks lenders don t charge an origination fee for credit cards but they may require a security deposit for anyone who is just establishing their credit or who has a bad credit rating the bottom lineit s a good idea to understand how the loan process works before you apply whether it s for a personal loan or a mortgage in the u s it s generally called origination this process sees borrowers go through pre qualification application underwriting and approval before any loan funds are disbursed keep in mind that many lenders charge an origination fee which is usually a small percentage of the loan value 