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 companies have a dedicated phone line, email address or web form so you can check up on your status.
When applying for a new card, providers will determine your eligibility based on your credit history. “Credit history” is intentionally vague – there are lots of components credit card companies will assess, among them:
- The age of credit history — or how long you’ve had your current credit cards.
- How many credit applications you’ve recently submitted.
- Your payment history, including late and on-time payments, collection actions and judgments against you.
- Credit utilization — or the ratio of balances you owe versus your limit on each card.
- How many installment loans, auto loans, credit cards, mortgages and other types of credit you have.
Providers are looking at these factors, plus your other outstanding debts, to determine whether or not you are a good candidate or too risky to take on a new card.
Rejected and not sure why? Many providers’ customer service departments will be honest about why you were not accepted for a new card. Give them a call to find out why, and then work on rebuilding your credit.
Credit card application status numbers
|Bank of America||866-695-6598|
|Capital One Bank||800-625-7866|
|Credit One Bank||800-752-5493|
|First Premier Bank||800-987-5521|
|First Progress||Check on website|
|Indigo Platinum Mastercard||503-268-4711|
|Milestone Gold Mastercard||1-866-453-2636|
|Opensky Credit Card||Check on website|
|Primor Visa||Check on website|
|READYdebit Prepaid Visa||866-295-2460|
|Statefarm Visa cards||800-324-4946|
|Suntrust Credit cards||800-786-8787|
|Total Visa Card||888-267-7942|
|Unity Visa||Check on website|
|Voice Credit Card by Huntington||800-480-2265|
Store card application status numbers
|Academy Sports Outdoor card||800-947-1444|
|Best Buy||Check on website|
|Boscov’s Credit Card||Check on website|
|Newegg Credit Card||888-609-0794|
|Ultimate Rewards Credit Card||866-983-8582|
|Wayfair Credit Card||866-513-5795|
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Frequently Asked Questions
Can I be 100% sure I will be approved before applying?
If I haven’t heard back from the issuer, was my application denied?
Can I be denied for a secured credit card?
While secured credit cards do approve many applicants with bad or no credit history, there are some consumers who may get denied for a secured credit card. For example, if you’ve had a recent bankruptcy discharge or you don’t have enough income to repay a credit card balance, you can be denied for a secured credit card.If you’re denied, the credit card issuer will send a letter telling you the reasons you were denied. You can use this information to apply for your next credit card.