Applicants can check their Bank of America Customized Cash Rewards credit card application status online or by phone at 1 (866) 422-8089. For both methods, you’ll need to provide your Social Security number, date of birth, and ZIP code so that Bank of America can match you to your application. It should only take a few minutes to find out whether your application is approved, denied, or pending.
How to Check Your Bank of America Customized Cash Rewards credit card Application Status Online
Give your Social Security number, date of birth, and ZIP code when prompted.
View your Bank of America Customized Cash Rewards credit card application status: approved, denied, or pending.
Typically, you’ll receive Bank of America’s decision on your application within 30 days. Many applicants are approved much sooner than that. If you haven’t heard back within a reasonable time frame, you can always call customer service to ask about the delay.
It can take as little as a minute to get approved for a Bank of America credit card, but it can also take up to 30 days in some cases. Most applicants, however, receive a decision within a few days if they don’t get one instantly.
In particular, things like incomplete or incorrect information on the application can drag out the process. If Bank of America sends you a message requesting additional information to evaluate your application, be sure to reply as quickly as possible.… read full answer
How to Check the Status of Your Bank of America Credit Card Application
Online: To check the status of your credit card application online, visit Bank of America’s dedicated webpage. Type your last name, date of birth, last 4 digits of your Social Security Number and your ZIP code. Then, click “Submit.”
Over the phone: You can also check the status of your application by calling customer service at (866) 422-8089 any time after you submit it.
If it’s been 30 days and your application has not been approved or denied yet, you should call customer service at (800) 732-9194 to inquire.
If your Bank of America credit card application is approved, it should take an additional 7 to 10 business days for the card to arrive by mail. But you can call customer service and ask for expedited delivery, which will cut that time down to 1 to 3 business days. You may be charged a fee for expedited shipping, though.
It can take anywhere from less than a minute to a few weeks to get approved for a credit card. The amount of time depends on how you apply, how good your credit is relative to the requirements of the card, and whether the issuer can immediately verify your information. You could be … read full answerinstantly approved if you apply online and are obviously qualified. But if you don’t get instant approval, it’ll typically take at least 7-10 business days to hear back.
Here’s what affects how long it takes to get approved for a credit card:
The way you apply. You can apply for most credit cards by mail, by phone or online. If you apply by mail, that’s going to add an extra 1-7 days just for your application to get there. The other two methods both allow for instant approval.
Your credit and income. No credit card guarantees instant approval. You’ll only get it if you exceed the issuer’s credit, income and other requirements. If you’re right on the border of qualifying, the issuer will probably take longer to consider your application. The typical wait time is 7-10 business days, which translates to around two weeks.
Your personal info. You’ll need to enter details like your name, date of birth, address and Social Security number when you apply for any card. That information also is present on your credit reports, which the issuer will check during the approval process. If the information on your application doesn’t match the information on your report, or if it gets flagged as fraudulent, it will hold up the process until the issuer can verify your identity.
So the standard timeframe in which you can expect to be approved for a credit card and receive it by mail is approximately 3-4 weeks. If you’re not approved instantly, count on 7-10 business days for approval and 7-10 business days for delivery. And if you’re itching to get your card faster, don’t forget to ask the issuer about expedited delivery.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.