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List of credit card provider phone numbers
It can take anywhere from a few seconds to a few weeks to learn if you've been approved or declined for a credit card.
Most banks and credit card providers have a phone number or dedicated email address or web form where you can check on the status of your application. Before applying for a credit card, remember to check that you are eligible for the card in question. In addition, don’t leave anything blank on your application form – this can lead to automatic rejection or a slower processing of your application.
When applying for a new credit card, providers will determine your eligibility based on your credit history. “Credit history” is intentionally vague as there are many different factors credit card providers will assess. Some of these factors include:
- Length of credit history. The age of your credit history — or how long you’ve had your current credit cards. Lenders prefer to see longer credit histories.
- Number of applications. How many credit applications you’ve recently submitted. Applying for a few cards in a short period of time can raise red flags with lenders.
- Payment history. Your payment history includes both late and on-time payments, collection actions and any judgments against you.
- Credit utilization ratio. This is the ratio of balances you owe versus your credit limit on each card. Try to keep your ratio under 43%, as lenders typically reject customers with ratios higher than 43%.
- Types of credit. Lenders are interest in how many installment loans, auto loans, credit cards, mortgages and other types of credit you have.
Providers will look at these factors, plus your other outstanding debts, to determine whether you are a good candidate or if you are too risky.
Rejected and not sure why?
Many credit card providers’ customer service departments will gladly tell you why you were not accepted for a new credit card. Give them a call to find out why, and then work on rebuilding your credit score.
|ATB||1-800-332-8383 or 1-844-392-9359|