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How to check your credit card application status

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

The first step is to contact them directly to check your application status. The card issuer may confirm the status of your application, or they may ask you to provide further information.

Use this guide to learn how to check your application status with credit card companies in New Zealand. This guide also covers why your application may be taking longer to approve and some tips for speeding up the process.

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

    Credit card applicants can receive an approval within two to three business days, but credit card providers may also contact you to request additional information to complete the application.

    The general rule is to provide all of the required information when you apply, which speeds 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 respond to your application almost immediately and may approve you on the spot. While lending criteria vary 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 could look forward to instant approval.

    amber-traffic-light-md (2)

    Conditional approval

    Receiving conditional approval essentially means that the credit card provider doesn’t want to decline your application, but requires more time or additional information before approving it. You might have to provide personal identification documents or payslips by visiting a branch office or online. Complete approval only takes effect after this is done and you sign the contract.

    redlight (2)Application not approved

    The reason a provider may not approve your application could be that you don’t meet the lending criteria. Factors include insufficient income, a poor credit report or unstable employment. If you are rejected, it is best not to apply for another card immediately. Instead, check your credit report to make sure everything’s in order. You can also compare other cards to apply for later, making sure you pay attention to the eligibility requirements. To check your credit report, contact all three credit reporting companies in New Zealand, Centrix, ilion and Equifax. Requesting information is free, but charges may apply if you want it more quickly.

    Why is my credit card application taking so long?

    Most credit card companies offer a response within 60 seconds from when you submit your completed application online. However, if the credit card provider requires more information or doesn’t offer “instant approval”, it could take anywhere from a few business days to one or two weeks for you to find out if you’re approved.

    If you’re still waiting to hear back about your credit card application, here are some of the most common reasons for a delay:

    • Not enough information. If you haven’t given enough details on your application, or the information is incorrect, the provider may need to contact you to get the right information.
    • 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. Ensure your financial history is in good standing before you apply.
    • 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 competitive introductory offer available.
    • Incomplete applications. If you miss a step in the application process, this holds up the process until you provide all the information the bank requires. Before you submit your application, it’s important to review your application and ensure you complete the relevant sections and provide all of the necessary information.

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

    How can I speed up the application process?

    It’s possible the application process could be quicker if you’re an existing bank member because they already have some of your details on hand. Whether you’re an existing member or new to the bank, ensuring you provide all the relevant information and meeting the eligibility requirements helps speed up the process.

    Mistakes to avoid

    Here are some of the common issues to avoid when you’re applying for a credit card or waiting for a response:

    • Making multiple applications. You may be tempted to apply for another credit card while you’re waiting for a response, but multiple simultaneous applications harm your credit file.
    • Credit report mistakes. If your credit card was rejected and you’re unsure why make sure you meet 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. Before you call, make sure the number you’re dialling is toll-free. If it isn’t, avoid calling early in the morning, at lunchtime or after 5pm when you could be on hold for a long time.

    Frequently asked questions about credit card applications

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