How to check the status of 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. 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 offer some tips on how to best approach the situation.

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

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 are an existing member of the bank, the process may be quicker as they already have some of your verified information in their systems.

To help speed up the application process, it’s important to try and provide all the information required by the provider. It’s also a good idea to use an eligibility checker to make sure you meet all eligibility requirements for a specific card before applying.

Credit card application tips

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 due 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 post in case the provider is trying to get in touch with you, but know that calling them first is always the quicker option.

How can I check on my application?

If you haven’t received a response regarding your application, you can contact your provider by calling the customer services number listed on its website.

Here are the contact numbers for some of the main providers:

American Express: 0800 917 8015
Aqua: 0333 220 2691
Barclaycard: 0800 731 0200
Halifax: 0345 944 4555
HSBC: 0800 032 4735
Lloyds: 0345 072 5555
MBNA: 03456 062 062
NatWest: 0800 200 400
Sainsburys: 08085 40 50 60
Santander: 0800 389 9905
Tesco: 0345 300 4278
Virgin: 0800 389 2875
List of documents needed for credit card application

What responses can I expect when applying for a credit card?

When it comes to applying for a credit card, there are a number of likely responses you may receive, depending on the quality of your application. These include:

Instant 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’ll be eligible for instant approval.

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. Complete approval only takes effect after that’s done and you have signed the contract.

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 is in order or start comparing other cards to apply for in a few months, making sure you are paying attention to the eligibility requirements.
If you’ve got poor or no credit history, you may not be eligible for most credit cards. In this instance, you may have to consider a credit builder card instead.

Compare credit builder credit cards

Common mistakes to avoid

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 application was rejected and you’re unsure why, make sure you have 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 wait times are to be expected when you are contacting the customer service phone line. Before you call, make sure the number you dial is toll-free. If it isn’t, avoid calling early in the morning, at lunch time or after 5pm when they are 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.

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Table: sorted by representative APR, promoted deals first
Updated April 9th, 2020
Name Product Balance transfers Balance transfer fee Purchases Annual/monthly fees Rep. APR Incentive Representative example
The NatWest Balance Transfer Credit Card (eligibility criteria apply)
0% for 20 months reverting to 19.9%.
0%
Transfers must be made within 3 months of account opening
0% for 3 months reverting to 19.9% p.a. (variable)
£0
19.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable), your representative rate is 19.9% APR (variable).
The Royal Bank Balance Transfer Credit Card (eligibility criteria apply)
0% for 20 months reverting to 19.9%
0%
Transfers must be made within 3 months of account opening
0% for 3 months reverting to 19.9% p.a. (variable)
£0
19.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable), your representative rate is 19.9% APR (variable).
first direct Credit Card Visa
0% for 27 months reverting to 18.9%
2.29% (min. £5) for 3 months reverting to 2.9% (min. £5)
18.9%
£0
18.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
HSBC Premier Credit Card Mastercard
0% for 18 months reverting to 18.9%
1.4% (min. £5)
0% for 9 months reverting to 18.9%
£0
18.9% (variable)
A selection of rewards from a range of partners. Earn 1 point for every £1 spent within the UK and earn 2 points for every £1 spent outside the UK. Points can be redeemed for shopping vouchers and frequent flyer miles.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
Santander Everyday Credit Card Mastercard
0% for 18 months reverting to 18.9%
0% for 18 months reverting to 3% (min. £5)
0% for 3 months reverting to 18.9%
£0
18.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
John Lewis and Waitrose Partnership Mastercard
0% for 18 months reverting to 18.9%
2.9% (min. £5)
0% for 9 months reverting to 18.9%
£0
18.9% (variable)
Earn 1 point for every £1 spent in store or online at John Lewis, Waitrose and John Lewis Insurance. Earn 1 Point for every £2 spent elsewhere. Earn double points on selected insurances taken out through John Lewis Financial Services. Vouchers issued once customer reaches 500 points in Feb, Jun or Oct when vouchers are automatically issued to customers. Every 500 points is worth £5.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
Nationwide Member Credit Card Balance Transfer Offer
0% for 18 months reverting to 19.9%
1.5% (min. £5) for 3 months reverting to 2.4% (min. £5)
0% for 3 months reverting to 19.9%
£0
19.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
Lloyds Bank Platinum No Fee 0% Balance Transfer Mastercard
0% for 15 months reverting to 19.94%
0% for 3 months reverting to 5%
0% for 6 months reverting to 19.94%
£0
19.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a., your representative rate is 19.9% APR (variable).
Halifax Longest 0% Balance Transfer Mastercard
0% for 29 months reverting to 19.95%
3% for 3 months reverting to 5%
0% for 3 months reverting to 19.95%
£0
19.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
Tesco Bank Clubcard Credit Card for 26 Months Balance Transfer Mastercard
0% for 26 months reverting to 21.814%
2.98% for 26 months reverting to 3.99% (min. £3)
19.944%
£0
19.9% (variable)
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).
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Updated April 9th, 2020
Name Product Purchases Balance transfers Annual/monthly fees Rep. APR Incentive Representative example
Barclaycard Platinum All-Rounder Visa
0% for 27 months reverting to 21.9%
0% for 27 months reverting to 21.9%
£0
21.9% (variable)
Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive pre-sale tickets on selected festivals with 10% off ticket prices.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Santander All in One Credit Card Mastercard
0% for 26 months reverting to 15.9%
0% for 26 months reverting to 15.9%
£3 per month
21.7% (variable)
0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a. with a fee of £3 per month, your representative rate is 21.7% APR (variable).
Sainsbury's Bank Dual Offer Credit Card Mastercard
0% for 26 months reverting to 20.95%
0% for 26 months reverting to 20.95%
£0
20.9% (variable)
Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Earn 1 Nectar point for every £5 spent elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 20.95% (variable) p.a., your representative rate is 20.9% APR (variable).
MBNA 0% Transfer and Purchase Credit Card
0% for 26 months reverting to 20.93%
0% for 26 months reverting to 20.93%
£0
20.9% (variable)
Introductory 0% purchase offer only applies to purchases made within 60 days of opening.
Representative example: When you spend £1,200 at a purchase rate of 20.93% (variable) p.a., your representative rate is 20.9% APR (variable).
Bank of Ireland UK Matched Mastercard
0% for 24 months reverting to 19.9%
0% for 24 months reverting to 19.9%
£0
19.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
Virgin Money 23 Month All Round Credit Card Mastercard
0% for 20 months reverting to 21.9%
0% for 23 months reverting to 21.9%
£0
21.9% (variable)
Earn cashback when you shop online with over 500 top brands with Virgin Money Back.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Bank of Scotland Platinum 0% Purchase and Balance Transfer Mastercard
0% for 20 months reverting to 19.95%
0% for 20 months reverting to 19.95%
£0
19.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
Barclaycard Platinum 20 Month Purchase and Balance Transfer Visa
0% for 20 months reverting to 21.9%
0% for 20 months reverting to 21.9%
£0
21.9% (variable)
Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive pre-sale tickets on selected festivals with 10% off ticket prices.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Sainsbury's Bank Purchase Credit Card Mastercard
0% for 20 months reverting to 20.95%
0% for 3 months reverting to 20.95%
£0
20.9% (variable)
Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Earn 1 Nectar point for every £5 spent elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 20.95% (variable) p.a., your representative rate is 20.9% APR (variable).
Halifax 0% Purchase and Balance Transfer Mastercard
0% for 20 months reverting to 19.95%
0% for 20 months reverting to 19.95%
£0
19.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
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Updated April 9th, 2020
Name Product Purchases Annual/monthly fees Credit limits Rep. APR Incentive Representative example
American Express Rewards Credit Card
22.9%
£0
Min. limit £500, max. limit not specified.
22.9% (variable)
Earn 5,000 bonus Membership Rewards points when you spend £2,000 in your first 3 months, and 1 point for virtually every £1 spent thereafter.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
British Airways American Express Card
22.9%
£0
Min. limit £700, max. limit not specified.
22.9% (variable)
5,000 Avios when you spend £1,000 within 3 months of account opening. Earn 1 Avios for virtually every £1 spent. Get a Companion Voucher when you spend £20,000 each year. Earn up to 90,000 bonus Avios points per calendar year, 4,000 points per friend/family member that successfully applies for an American Express card (Excl. Basic card) and uses the Referral Programme.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
American Express Platinum Cashback Everyday Card
22.9%
£0
Min. limit £700, max. limit not specified.
22.9% (variable)
5% on £1 to £2000 of yearly spend for introductory period of 3 months. 0.5% on £1 to £5000 of yearly spend. 1% after £5001 of yearly spend. Cashback paid Anniversary into Card Account. 5% intro cashback in the first 3 months (max £100). Must spend £3K annually to earn cashback.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
The American Express Nectar Credit Card
22.9%
Year 1 - £0, Year 2 onwards - £25 per annum
Min. limit £700, max. limit not specified.
28.2% (variable)
20,000 Nectar points when you spend £2K within 3 months of account opening. Earn 2 Nectar points for virtually every £1 spent at Nectar partners and elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £25 per annum, your representative rate is 28.2% APR (variable).
American Express Platinum Cashback Card
22.9%
£25 per annum
Min. limit £700, max. limit not specified.
28.2% (variable)
5% on £1 to £2500 of yearly spend for introductory period of 3 months. 1% on £1 to £10000 of yearly spend. 1.25% after £10001 of yearly spend. Cashback paid Anniversary into Card Account. 5% intro cashback (max £125).
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £25 per annum, your representative rate is 28.2% APR (variable).
The Marriott Bonvoy American Express Card
22.9%
£75 per annum
Min. limit £700, max. limit not specified.
39.7% (variable)
Earn 20,000 points when you spend £3,000 within 3 months of account opening. Earn 6 points for every £1 spent at Marriott properties globally and 2 points for virtually every other £1 spent.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £75 per annum, your representative rate is 39.7% APR (variable).
American Express Preferred Rewards Gold Credit Card
22.9%
Year 1 - £0, Year 2 onwards - £140 per annum
Min. limit £700, max. limit not specified.
57.6% (variable)
New Cardmember offer: Earn 20,000 Membership Rewards® points when you spend £3,000 in your first three months of Cardmembership. Offer ends 29 June 2020. Terms apply.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with an annual fee of £140 (£0 in first year), your representative APR is 57.6% APR (variable).
British Airways American Express Premium Plus
22.9%
£195 per annum
Min. limit £700, max. limit not specified.
76% (variable)
25,000 Avios when you spend £3K within 3 months of account opening. Earn 3 Avios for virtually every £1 spent directly with BA, and 1.5 Avios for virtually every £1 spent everywhere else. Spend £10K in 12 months to redeem the Avios for a companion ticket on a BA flight. Earn up to 90,000 bonus Avios points per calendar year, 9,000 points per friends/family that uses Referral Programme and successfully apply for an American Express card (Excl. Basic card).
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £195 per annum, your representative rate is 76% APR (variable).
The American Express Green Card
N/A (this product is a charge card).
£60 per annum
Min. limit not specified, max. limit not specified.
N/A (this product is a charge card).
1 point earned for virtually every £1 spent. Rewards points can be used as currency to buy flights and package holidays through American Express Travel. Reward points can also be redeemed for a wide range of products, experiences, travel and hotel stays.
The Platinum Card
N/A (this product is a charge card).
£575 per annum
Min. limit not specified, max. limit not specified.
N/A (this product is a charge card).
1 point earned for virtually every £1 spent. Additional 30,000 points earned when you spend £4K within first three months of Cardmembership. Earn 1 additional point for virtually every £1 spent at American Express Travel Online. Rewards points can be used as currency to buy flights and package holidays through Platinum Service. Reward points can also be redeemed for a wide range of products, experiences, travel and hotel stays. Cardmember can pay card fee (£575) using Membership Rewards® points at renewal. Earn 12,000 bonus points per friend/family that uses Referral Programme and successfully applies for a card and spends £4K within first 3 months of Cardmembership.
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Updated April 9th, 2020
Name Product Annual/monthly fees Min credit limit Max credit limit Minimum income Rep. APR Incentive Representative example
Tandem Bank Journey Credit Card Mastercard
£0
£500
Subject to status: £1,500
£15000
24.9%
No fees for making purchases or withdrawing cash abroad – currencies are converted at the standard Mastercard exchange rate.
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
Vanquis Bank Chrome Credit Card 24.7pc Visa
£0
£250
Subject to status: £1,000
Not specified
24.7%
Stay in control of your account with online servicing, a mobile app, SMS and email alerts.
Representative example: When you spend £1,000 at a purchase rate of 24.7% (variable) p.a., your representative rate is 24.7% APR (variable).
TSB Classic Mastercard
£0
£500
Not specified
Not specified
26.9%
Representative example: When you spend £1,200 at a purchase rate of 26.95% (variable) p.a., your representative rate is 26.9% APR (variable).
Tesco Bank Foundation Clubcard Credit Card Mastercard
£0
£250
Subj