{"id":142729,"date":"2018-10-30T16:57:58","date_gmt":"2018-10-30T16:57:58","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=142729"},"modified":"2024-03-13T11:27:42","modified_gmt":"2024-03-13T11:27:42","slug":"how-to-check-on-your-credit-card-application","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/credit-cards\/how-to-check-on-your-credit-card-application","title":{"rendered":"How to check the status of your credit card application"},"content":{"rendered":"<p>When you apply for a credit card, you can usually expect an immediate response. However, if you still haven&#8217;t heard back from the provider, it might be time to take things into your own hands. It&#8217;s not a difficult process, but to make things even easier, we&#8217;ve summarised all of the major credit card provider details and offer some tips on how to best approach the situation.<\/p><h3 id=\"learn\">How long does it take for my application to be approved?<\/h3><p>Although most credit card applications provide instant approval or conditional approval (approved within 2-4 business days), <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/a-to-z-list\">credit card providers<\/a> can take between up to 30 days 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.<\/p><p>To help speed up the application process, it&#8217;s important to try and provide all the information required by the provider. It&#8217;s also a good idea to use an eligibility checker to make sure you meet all eligibility requirements for a specific card before applying.<\/p><p><a class=\"more-link-arrow\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/credit-card-application-tips\">Credit card application tips<\/a><\/p><h4 id=\"whyismy\">Main reasons why your application is taking longer than expected<\/h4><p>If your credit card application is taking longer than usual to process, it could be due to one of the following reasons:<\/p><ul><li>The provider thinks that certain information on your application may be insufficient, incorrect or inconsistent, and may require adding or changing.<\/li><li>The provider sees marks on your <a href=\"https:\/\/www.finder.com\/uk\/credit-score\">credit file<\/a> that it wishes to analyse further or discuss with you.<\/li><li>The provider has to deal with a large number of applications and hasn\u2019t reached yours yet.<\/li><li>The provider has misplaced your application.<\/li><\/ul><p>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.<\/p><h3>How can I check on my application?<\/h3><p>If you haven\u2019t received a response regarding your application, you can contact your provider by calling the customer services number listed on its website.<\/p><p>Here are the contact numbers for some of the main providers:<\/p><ul><li><strong>American Express<\/strong>: 0800 917 8015<\/li><li><strong>Aqua<\/strong>: 0333 220 2691<\/li><li><strong>Barclaycard<\/strong>: 0345 734 5345<\/li><li><strong>Halifax<\/strong>: 0345 944 4555<\/li><li><strong>HSBC<\/strong>: 0800 731 8921<\/li><li><strong>Lloyds<\/strong>: 0345 072 5555<\/li><li><strong>MBNA<\/strong>: 03456 062 062<\/li><li><strong>NatWest<\/strong>: 0345 3030 299<\/li><li><strong>Sainsburys<\/strong>: 0800 218 2345<\/li><li><strong>Santander<\/strong>: 0800 389 9905<\/li><li><strong>Tesco<\/strong>: 0345 300 4278<\/li><li><strong>Virgin<\/strong>: 0800 389 2875<\/li><\/ul><p><a class=\"more-link-arrow\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/credit-card-documents\">List of documents needed for credit card application<\/a><\/p><h3 id=\"whatresponses\">What responses can I expect when applying for a credit card?<\/h3><p>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:<\/p><h4>Instant approval<\/h4><p>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 <a data-trigger-introductory-modal=\"true\">credit score<\/a> checks. By providing all the required information and keeping a good credit history, you&#8217;ll be eligible for instant approval.<\/p><h4>Referral<\/h4><p>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.<\/p><h4>Conditional approval<\/h4><p>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\u2019s done and you have signed the contract.<\/p><h4>Application not approved<\/h4><p>The reason behind a provider not approving your application could be that you haven&#8217;t met the lending criteria. Such factors could include insufficient income, <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/credit-builder-credit-cards\/bad-credit-rating-credit-cards\">poor creditworthiness<\/a> or credit history, and unstable employment. If you\u2019ve been rejected, don\u2019t apply for another card straight away. Instead, either request a copy of your credit report to make sure everything is in order or start <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\">comparing other cards<\/a> to apply for in a few months, making sure you are paying attention to the eligibility requirements.<\/p><p>If you&#8217;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.<\/p><p><a class=\"more-link-arrow\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/credit-builder-credit-cards\">Compare credit builder credit cards<\/a><\/p><h3 id=\"commonmistakes\">Common mistakes to avoid<\/h3><p>Here are some things you should expect or avoid while waiting to hear back about the status of your credit card application:<\/p><ul class=\"list-3\"><li><b>Making multiple applications.<\/b> You may be tempted to apply for another credit card while you\u2019re waiting for a response, but know that multiple simultaneous applications will have a negative impact on your credit file.<\/li><li><b>Credit report mistakes.<\/b> If your credit card application was rejected and you\u2019re unsure why, make sure you have met the eligibility requirements and order a copy of your <a data-trigger-introductory-modal=\"true\">credit score<\/a> to make sure you haven\u2019t 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.<\/li><li><b>Customer service delays.<\/b> 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\u2019t, avoid calling early in the morning, at lunch time or after 5pm when they are likely to be inundated with calls.<\/li><\/ul><p>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.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\">fin_accordion title=&#8221;What factors can have a negative effect on my credit card application?&#8221;]<p>Factors that can adversely affect your application include poor creditworthiness, no credit history, mistakes on your credit file, low income, recent change in employment, too much existing debt and too many credit enquiries.<\/p>[\/fin_accordion]<li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Can the credit limit I ask for have an effect on my application?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes, it can. Credit card providers use different criteria to decide credit limits, and while you might not qualify for a higher limit you could qualify for a lower limit.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">If there is a mistake on my credit file that is causing problems with my application, can I fix it?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>If you notice a mistake on your credit file you should report it to the credit provider in question immediately, and the provider should then rectify the mistake by contacting the credit agency in question. Make sure you send a copy of the dispute to Equifax, Experian and TransUnion because they maintain separate records.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">If I don\u2019t understand any section of the application, is it okay to leave it blank?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Incomplete applications have little to no chance of success, and if you submit an incomplete application, the provider might take some time to seek additional information, if it does so at all. If there is anything in the application you don\u2019t understand, seek clarification from the provider and then proceed.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Have you applied for a credit card and had the silent treatment from your bank? You need to get on the front foot and work out what\u2019s going on. Read to find out what you can do about it. <\/p>\n","protected":false},"author":609,"featured_media":122208,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2112],"tags":[3838],"asset_tag":[],"class_list":["post-142729","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-page_type-guide"],"apple_news_notices":[],"yoast_head":"<!-- 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