Keyaira Sutton, WalletHub Analyst
@keykey
You can check your credit card application status either online or over the phone, depending on the credit card company. Many credit card applicants receive a decision within minutes, but it can take longer if the issuer needs more information or if it’s a close call between approval and rejection. Some credit card applications stay in pending status for up to 30 days.
All major credit card companies allow applicants to check their status by calling the main customer service line and following the prompts. Most major issuers – including American Express, Bank of America and Citibank – also offer a way to check your credit card application status online.
How to Check Your Credit Card Application Status with Major Issuers:
| Issuer | Phone Number to Check | Option to Check Online? |
| Call the dedicated Customer Service number | ||
| Yes (only for Chase customers) | ||
| Yes (must log in or create an account first) | ||
| No | ||
| Yes (must log in or create an account first) |
Whether you’re trying to check your application status online or over the phone, it can be stressful dealing with a pending credit card decision. Rest assured that even if you are eventually denied, you still have plenty of options.
Approval criteria for credit cards differ from one issuer to the next, and even from card to card with the same issuer. So, if you’re denied for one card, it doesn’t mean you can’t be approved for another. For more information, check out our guide on what to do if your credit card application is denied.
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Linda L. Jacob, Certified Financial Planner (r), Accredited Financial Counselor (r)
@LindaJacob
You will either receive the card, or a denial letter from the company. If it has been a while since you applied, I would call the company and speak to their customer service department.
Paul Campbell, Member
@paul_campbell2
Which card? You can usually just call the company that you applied with.
People also ask
How can I check my Capital One application status?
You can check your Capital One credit card application status by simply calling customer service at (800) 903-9177. You will be asked to enter your 9-digit Social Security Number to confirm your identity. Once you do so, you will receive a status update.
How to check your Capital One credit card application status:
- Call (800) 903-9177.
- When you hear the menu, say "application status" or press "3."
- Enter your 9-digit Social Security number when prompted...
How can I check my Bank of America credit card application status?
You can check your Bank of America credit card application status by calling 1 (866) 422-8089. When you call, listen to the automated menu and press the key to check your status, then verify your identity so Bank of America can match you to your application. You can also check your Bank of America application status online.
How to Check Your Bank of America Credit Card Application Status
- Call 1 (866) 422-8089.
- Follow the prompts...
What's the easiest unsecured credit card to get approved for?
The easiest unsecured credit cards to get include the OneMain Financial BrightWay® Card, the Petal® 2 Visa® Credit Card and the Capital One QuicksilverOne (see details, rates & fees) Credit Card. The OneMain Financial BrightWay® Card accepts bad credit, while the Petal 2 Card and Capital One QuicksilverOne (see details, rates & fees) are for people with no credit.
Easiest Unsecured Credit Cards to Get
- OneMain Financial BrightWay® Card
- Merrick Bank Credit Card
- Petal® 2 Visa® Credit Card
- Capital One QuicksilverOne Cash Rewards Credit Card (see details, rates & fees)
- Capital One Savor Student Cash Rewards Credit Card (see details, rates & fees)
- Capital One Spark Classic for Business *
Alternatives to Unsecured Credit Cards for Bad Credit
Unsecured credit cards for people with bad credit tend to be very expensive, charging lots of fees and high interest...
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