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Credit card application status: How to check on your credit card application

Haven’t received a response for your credit card application? Don’t fret - simply check the status of your application

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When you apply for a credit card, you can usually expect an immediate response (or at least 60 seconds). However, if you still haven’t heard back from the provider, it might be time to take things into your own hands. It’s not a difficult process, but to make things even easier, we’ve summarised all of the major credit card provider details and offered up some tips on how to best approach the situation.

Compare credit cards

Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Preferred® Card from American Express
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 13.99% to 23.99% variable)
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees
Blue Cash Everyday® Card from American Express
20% at Amazon.com up to $200 back in the first 6 months, 2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
0% intro for the first 15 months (then 13.99% to 23.99% variable)
$0
This everyday cashback card is ideal for Black Friday and holiday shopping with 20% back at Amazon.com up to $200 back in the first 6 months. Rates & fees
Chase Freedom Flex℠
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Chase Sapphire Preferred® Card
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
15.99% to 22.99% variable
$95
Earn a signup bonus worth $750 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Citi® Diamond Preferred® Card
N/A
0% intro for the first 18 months (then 14.74% to 24.74% variable)
$0
An impressive 18 months intro APR on balance transfers and purchases, as well as no annual fee make this one of the top 0% APR cards available.
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Compare up to 4 providers

Q: How long does it take for my application to be approved?

A: On average 1-2 weeks

Although most credit card applications provide instant approval or conditional approval (approved within 2-4 business days), credit card providers can take between one to two weeks to review an application. If you’re an existing member of the bank, the process may be quicker as they’d already have some of your verified information in their systems. The general rule is to provide all of the required information when you apply, as this will generally speed up the approval process. Also, a good practice would be to run a quotation search first and be absolutely certain that you meet all eligibility requirements for the card.

Main reasons why your application is taking longer than expected

If your credit card application is taking longer than usual to process, it could be owing to one of the following reasons:

  • The provider thinks that certain information on your application may be insufficient, incorrect or inconsistent, and may require adding or changing.
  • The provider sees marks on your credit file that it wishes to analyse further or discuss with you.
  • The provider has to deal with a large number of applications and hasn’t reached yours yet.
  • The provider has misplaced your application.

Resolving the matter is often simple, and can sometimes take no more than a phone call. Monitor your calls, inbox and mailbox in case the provider is trying to get in touch with you, but know that calling them first is always the quicker option.

Q. How can I check on my application?

If you haven’t received a response regarding your application, you can contact your provider by following the steps and using the contact details listed in the table below.

Credit card application status numbers

Provider Phone number
AccountNow 877-762-2308
American Express 800-567-1085
Bank of America 866-695-6598
Barclaycard 866-408-4064
BB&T 800-476-4228
Blispay 877-907-7475
Capital One Bank 800-625-7866
Chase Bank 888-338-2586
Citibank 888-201-4523
Comerica Bank 855-451-9201
Credit One Bank 800-752-5493
Discover 800-347-3085
Fidelity FIA 866-598-4971
First Premier Bank 800-987-5521
First Progress Check on website
Gettington 866-688-1091
Indigo® Platinum Mastercard® Credit Card 503-268-4711
Milestone® Gold Mastercard® 866-453-2636
OpenSky® Secured Visa® Credit Card Check on website
PNC Bank 877-225-5762
Primor Visa Check on website
READYdebit Prepaid Visa 866-295-2460
StateFarm Visa Cards 800-324-4946
SunTrust Credit Cards 800-786-8787
TD Bank 888-561-8861
Total Visa Card 888-267-7942
UNITY Visa® Secured Credit Card Check on website
US Bank 877-625-5249
USAA 800-531-8722
Voice Credit Card by Huntington 800-480-2265
Wells Fargo 800-967-9521

Store card application status numbers

Provider Phone number
Academy Sports Outdoor Card 800-947-1444
My Best Buy® Visa® Card Check on website
Boscov’s Credit Card
Fingerhut 800-208-2500
GAP 800-427-7895
Home Depot 866-875-5488
Lowes 800-444-1408
Macy’s 888-257-6757
Newegg Credit Card 888-609-0794
Target REDcard™ Credit Card 800-424-6888
Ulta Credit Card 866-983-8582
Wayfair Credit Card 866-513-5795
The information about My Best Buy® Visa® Card has been collected independently by Finder and and has not been reviewed or provided by the issuer.Back to top

What responses can I expect when applying for a card?

Approval can be instant and verified within 60 seconds online, but you could also receive the following responses depending on whether the bank requires more information:

Traffic light with greenlight onInstant approval

With instant online applications, credit card providers provide a response on your application status almost immediately. While lending criteria varies between providers and cards, common checks include identity verification and credit score checks. By providing all the required information and keeping a good credit history, you can look forward to instant approval. Traffic light with amber light on

Referral

If your credit card application is under referral, the card provider basically requires more time to carry out further assessments before giving you a conclusive answer.

Conditional approval

Getting conditional approval essentially means that the credit card provider is buying time to verify your details before granting approval. In such a scenario, you might have to provide personal identification documents or payslips by visiting a branch office or via fax. Complete approval only takes effect after that’s done and you’ve signed the contract. Traffic light with red light on

Application not approved

The reason behind a provider not approving your application could be that you haven’t met the lending criteria. Such factors could include insufficient income, poor creditworthiness or credit history, and unstable employment. If you’ve been rejected, don’t apply for another card straight away. Instead, either request a copy of your credit report to make sure everything’s in order or start comparing other cards to apply for in a few months, making sure you’re paying attention to the eligibility requirements.

Common mistakes you need to avoid when awaiting the status of your application

Here are some things you should expect or avoid while waiting to hear back about the status of your credit card application:

  • Making multiple applications.
    You may be tempted to apply for another credit card while you’re waiting for a response, but know that multiple simultaneous applications will have a negative impact on your credit file.
  • Credit report mistakes.
    If your credit card was rejected and you’re unsure why, make sure you’ve met the eligibility requirements and order a copy of your credit score to make sure you haven’t fallen victim to fraud or mistakes on your file. If you find a genuine error on the report, contact the credit card provider and credit reporting body to initiate investigation and correction.
  • Customer service delays.
    It could take days or weeks for a bank to respond to an email enquiry and you’re to expect wait times when you’re contacting the customer service phone line. Before you call, make sure the number you’re dialling is toll-free. If it isn’t, avoid calling early in the morning, at lunch time or after 5pm when they’re likely to be inundated with calls.

Applying for a credit card is one thing, but receiving it is quite another. You may have to wait a considerable period for it, which is why we recommend you apply in advance and always stay on top of your application by calling your provider.
How multiple credit card applications affect your approval

Questions you’ve asked about credit card applications

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2 Responses

  1. Default Gravatar
    georgeMarch 11, 2018

    If a person is not approved for a credit, how long does it take to be sent a disapproval letter?

    • Default Gravatar
      joelmarceloMarch 13, 2018

      Hi George,

      Thanks for leaving a question on finder.

      Most credit card applications provide instant approval or conditional approval (approved within 2-4 business days), credit card providers can take between one to two weeks to review an application. If you’re an existing member, the process may be quicker as they already have some of your verified information in their systems The general rule is to provide all of the required information when you apply, as this will generally speed up the approval process. Also, a good practice would be to run a quotation search first and be absolutely certain that you meet all eligibility requirements for the card.

      Cheers,
      Joel

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