How to Check Your Credit Card Application Status Quickly and Easily

It doesn’t matter if you have been approved for credit cards. Check your credit card application status.

You want to see the status of your application for a credit-card you have applied for? Many credit card issuers can approve or deny applications instantly based on income and credit reports. Some situations may require that the lender examine your application in greater detail.

You have many options to review the status of your credit application if you don’t receive an immediate decision.

We have done all the hard work. You can find all the information you need, including phone numbers and online tools. We also have complete articles that will help you check the status of your credit card applications for each major credit card issuer. Continue reading to learn more about how to check your credit card application status.

How to check the status of your credit card application online or by telephone

For checking the status of your application, credit card issuers will provide either a telephone number or an online tool (sometimes both), for you to call.

These are the top credit card issuers.

Credit card issuerPhone numberYou can check your application status online.
Capital One800-903-9177No
Citizens Bank866-991-0101No
USAA800-531-8722Yes, current customers
877-343-4118 for Costco Citi cards
American Express866-314-0237Yes
Bank of America800-432-1000Yes
Chase888-338-2586Yes, current customers

Credit card issuers may ask you for a combination of your information when you call or check the status of your credit card application online.

  • Name
  • Your birthdate
  • Social security number
  • Zip code
  • Email address
  • If you are a customer, please provide your username and password

What does my credit card application status signify?

Other than “approved” and “denied”, you might also see the statuses for your credit cards application such as:

  • Pending application – In certain cases, the lender may need to review your credit history, income, credit card applications, debts, payments and business (if any) more thoroughly. A letter may be sent asking for more information. You will need to provide the requested documentation.
  • In review– Your application has not yet been approved or denied. This is the same as a “pending request” and you may need to have someone check it out to see if your application has been approved.

There are several reasons your credit card application might need to be reviewed.

  • Too many credit inquiries – Credit issuers can find it difficult to deal with new credit inquiries – These credit inquiries could indicate a stolen identity, or credit problems. An employee may be required to check your credit by a credit card issuer.
  • To verify your information – A credit card issuer might also ask an employee to verify your details. The algorithm of a credit card issuer might reject your application if you are known as Joe or Joeph, or if your address has changed recently.
  • Suspected fraud – New credit inquiries could be an indicator of identity theft. The credit card issuers want you to be as honest as possible.

Keep in mind – that the reason you are applying for credit may differ from a credit refusal reason such as:

  • Too much debt
  • Credit score low
  • Bankruptcy
  • Collections – Account
  • Insufficient income

What happens next if I get approved for a credit line?

You should get a new card within 10 to 14 days if your application is approved.

You may be able to access your credit instantly through some credit issuers. You may be eligible to purchase with your new credit card number if a credit agency can authenticate you and offers instant credit.

Here’s how it works.

  • Step 1 – Apply for a card that is eligible. Some cards don’t offer instant credit. If this is something you are interested in, make sure it is available before you apply.
  • Step 2 – After approval, add the account number to your digital bank.
  • Step 3 – Shop online and wherever digital wallets can be used

It’s a good idea to contact your credit card company ahead of time to ask about your options if you have to make large purchases.

What do I do if my credit card application is denied?

Consider one of these options if your application is rejected after being reviewed.

For reconsideration, call the number

You can request a representative from customer service to review your credit application once more using the reconsideration line.

It is possible to transfer credit from another credit card, or to give an explanation to the company to make a better decision about whether to offer you credit. Effective negotiators know that you shouldn’t accept the first “no”. It is possible to get approved for credit cards even if you are denied, especially if there is a good reason.

Find out why your application was rejected

The Equal Credit Opportunity Act requires credit card issuers to inform you of the reason they denied your application.

Let’s say that the lender denies you credit. If so, the lender must provide you with the following information:

  • Credit score
  • The credit bureau that reported the score
  • Information on how to get a free copy your credit report
  • How to fix errors in your report

You can learn the reasons behind your rejection to make adjustments so that you can be approved again in the future. Potential cardmembers are encouraged to apply again by credit issuers

Credit score improvement

Start working to improve your credit score if your application is denied.

  1. Automate your bills and you will have a clean credit history.
  2. Reduce your debt to increase your income ratio.
  3. Correct errors.
  4. Resolve disputes and collections accounts.
  5. Diversify your credit.
  6. To maintain a stable credit history, keep older accounts open and limit new accounts.

Other financing options

You must find another method to pay for the expense if you have applied for credit cards to purchase a specific item.

There are many other options:

  • Personal loan. You can get a fixed amount of personal loans and then repay it in monthly installments. This can be a great way to quickly access flexible funds.
  • Home equity loan. A home equity loan may be possible if you own a substantial equity home. Although a home equity loan can take some time and is secured by your home, the interest rate is usually lower than personal loans or credit cards.
  • Private loanThese are loans from family or friends. These loans can be flexible, but they may come with strings attached.

Do not apply for another credit card until you are ready

You may have to hold off on applying for another credit card if a particular event has lowered your credit score, such as too many hard inquiries.

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