What is Credit One's application processing timeline?

The Credit One application processing time is up to three weeks. If you apply online, you could receive an instant decision from Credit One Bank. But if your application doesn’t get sent straight to either the approved or rejected pile, you may have to wait up to three weeks for a decision. So how long it takes to process a Credit One application depends on whether the applicant is obviously qualified, clearly ineligible or somewhere in between.

Credit One credit cards are designed for people with bad credit. So even if you’re dealing with a very damaged credit score, you have a good chance of approval. And if you’re worried about getting turned down, you can check for Credit One pre-approval before applying. This will give you a sense of your chances with no risk. One factor that might lead to rejection is having more monthly expenses than income.

After you apply and get approved for a Credit One credit card, you should receive your card in the mail within 10 days. If you don’t, contact Credit One Bank’s customer service department at (877) 825-3242. Be sure to activate your card as soon as you receive it. Credit One will close your account if the card is not activated within 14 days of receipt.

Here’s the Credit One application processing timeline:

• Decision timeframe: You could be instantly approved for a Credit One credit card if you apply online. The process could also take up to three weeks.
• Checking your status: You can check your Credit One application status online, starting 24 hours after you apply. Just enter your last name and Social Security number, then click “Check Status.”
• Info verification: Credit One may need to confirm some details before processing your application. You will receive directions to do so if necessary.
• Mailed decision: If you don’t check your application status online, you’ll have to wait up to 10 business days after being approved to actually receive the decision in the mail. Credit One does not send application statuses or decisions by email.
• Delivery: After approval, it can take up to 10 business days for your card to reach you.
• Total timeframe: It might be a month or more between the day you apply and the day you have a card in your hand. You could receive your decision and your card around the same time.

If you have any questions about the process, you can call Credit One’s Application Information Line at (800) 752-5493. The line is open between 8 a.m. and Midnight EST, Monday through Friday (9:30 a.m. to 8 p.m. EST on Saturday and Sunday).

If your Credit One application is denied, you can request a reconsideration. But you’ll have to prove that your financial situation is better than it appeared on your application in order to get a denial reversed.