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Credit card application status: How to check it

Waiting for a response to your credit card application? Here's how to check it.


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If you apply for a credit card online you can usually expect a response within two or three business days of submitting your application. But if you haven’t heard back from the credit card company – or if you want to follow up on some of the details you provided – you can also check your application status. Use this guide to learn how you can check your application status with credit card companies in New Zealand. We also look at some key details on how the application process works so you know what to expect when you apply for a new card.

How long will it take for my application to be approved?

Credit card applicants can receive approval within two to three business days, but credit card providers may also contact you to request additional information to complete the 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. The general rule is to provide all of the required information when you apply, as this will speed up the process. It’s also a good idea to make sure you meet all eligibility requirements for the card before you apply.

What responses could I get when I apply for a credit card?

ccf-applications-250x250Here are some of the most common outcomes:

greenlight (1)Instant approval

When applying online a credit card issuers might provide a response to your application almost immediately, and may approve you on the spot. While lending criteria varies between providers and cards, common checks include identity verification, and asset or debt checks. By providing all the required information and meeting the issuer’s requirements you might look forward to instant approval.

amber-traffic-light-md (2)

Conditional approval

Getting conditional approval essentially means that the credit card provider doesn’t want to decline your application, but would like more time or additional information before approving it. 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.

redlight (2)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, a poor credit report or unstable employment. If you’ve been rejected, you may not want to apply for another card straight away. Instead, you might want to check your credit report to make sure everything’s in order, or start comparing other cards to apply for later, making sure you’re paying attention to the eligibility requirements. To check your credit report, contact all three credit reporting companies in New Zealand; Centrix, Dun & Bradstreet and Equifax. Getting the information is free but charges may apply if you want it more quickly.

Why is my credit card application taking so long?

If you expected to hear back about your application before now, here are some of the more common reasons your credit card application could be delayed:

  • Not enough information. If you haven’t given enough details on your application, or if the information is wrong or inconsistent, the provider may need to contact you to get the right information. This adds an extra step to the application process that can cause delays.
  • Credit issues. If you have black marks on your credit report, the provider may want to look at them in more detail before completing its assessment of your application.
  • High demand. Sometimes a credit card provider may get more applications than usual, which means it could take longer to get to yours – particularly if there is a very competitive introductory offer available.
  • Incomplete applications. If you have missed a step in the application process, such as submitting additional documents and information, then this will hold up the application until you have provided all the information that the bank requires.

You can usually sort out credit card application delays by calling the credit card provider to find out what’s going on. Also monitor your calls, inbox and mailbox in case the provider is trying to get in touch with you.

What mistakes should I avoid when I’m waiting to hear about a credit card application?

Here are some things you should 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 multiple simultaneous applications might cause problems.
  • Credit report mistakes. If your credit card was rejected and you’re unsure why, make sure you’ve met the eligibility requirements. It’s also a good idea to check your credit report for signs that you may have been a victim of identity theft. If you find a genuine error on the report, contact the credit reporting bodies to investigate.
  • Customer service delays. It might take days or weeks for a bank to respond to an email enquiry and you may expect wait times when you’re contacting the customer service phone line. Some banks may have limited customer service hours or longer waits during busy times, and you may want to check customer service hours before calling.

Applying for a credit card is one thing, but receiving it is quite another. You may have to wait a considerable period for it, so you may want to apply in advance and follow up if it seems to be taking too long.

Frequently asked questions about credit card applications

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