Well, obviously, medical bills or other emergencies are a different story. I’m sorry, romani.
I think the length of time it takes to get a new credit card or debit card is a function of how good a customer you are. If you’re a “better” customer, you’ll have new cards overnighted to you if there’s a problem. I don’t think it has anything to do with credit vs debit per se, but I may be mistaken.