What is Credit One's application processing timeline?

Question

You can check your Credit One application status online, by visiting the application status page on Credit One’s website and entering both your last name and Social Security Number. Credit One will then find your credit card application in its records and tell you whether it is approved, denied or still pending. If you have any trouble, you can call Credit One Bank Application Information at … read full answer (800) 752-5493.

It can take up to 21 days to receive your final Credit One application status: approved or denied. Credit One credit cards are available to people with bad credit, but that doesn’t mean everyone gets approved. It all comes down to what Credit One makes of your credit history and income. If they think the risk of you not paying your bill is too high, you won’t be approved.

But don’t worry if your Credit One application gets rejected. First, you can ask for reconsideration by calling customer service at (888) 729-6274. And if that doesn’t work, there are plenty of other options. Your best bet is to apply for a secured card. They tend to have the highest approval odds and the lowest fees. But there are some unsecured credit cards for bad credit, too.

It’s also important not to confuse Credit One with Capital One. If you’ve applied for a Capital One card, you can check your Capital One application status by calling (800) 903-9177 at any time.

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Answer 1 · 2021-05-14 16:21:37

WalletHub, Financial Company

@WalletHub • 05/14/21 This answer was first published on 07/30/18 and it was last updated on 05/14/21.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The Credit One application processing timeline 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 business 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 5 a.m. and 9 p.m. from Monday to Friday (6:30 a.m. to 5 p.m. 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.

@staceyevacaleb33

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Ya, that "Credit One pre-approval" is complete lies. I had a 95% pre-approval, and guess what, I didn't get approved. Now I have a hard inquiry on my credit report. I have been working for over a DECADE to undo what my mother did to my credit so thanks for the set back. If you're reading this DO NOT TRUST CREDIT ONE'S PRE-APPROVAL!!!! And just so I don't have to hear the "maybe you were declined due to other reasons, I make over $4000 a month, and I've lived at the same residence, and have had the same job for 8 years. All of my so called debt has been paid down to less than $1500, so I'm at a loss here. Here is an excellent article on how the "pre approved" is just a marketing scheme. https://www.uswitch.com/credit-cards/guides/3-tips-credit-card-pre-approval/

Answer 2 · 2022-04- 9

@staceyevacaleb33

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Ya, that "Credit One pre-approval" is complete lies. I had a 95% pre-approval, and guess what, I didn't get approved. Now I have a hard inquiry on my credit report. I have been working for over a DECADE to undo what my mother did to my credit so thanks for the set back. If you're reading this DO NOT TRUST CREDIT ONE'S PRE-APPROVAL!!!! And just so I don't have to hear the "maybe you were declined due to other reasons, I make over $4000 a month, and I've lived at the same residence, and have had the same job for 8 years. All of my so called debt has been paid down to less than $1500, so I'm at a loss here. Here is an excellent article on how the "pre approved" is just a marketing scheme. https://www.uswitch.com/credit-cards/guides/3-tips-credit-card-pre-approval/

Answer 3 · 2020-03-23 06:56:41

joaniepennacchio, Member

@joaniepennacchio • 03/23/20 This answer was first published on 03/23/20. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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I have been trying to fill out the app for payment on my card and it won't let me . It's saying there is a problem . There is no problem . I call to make a payment because my due date is 3/23 , I held on for one hour . Please help me

What is Credit One's application processing timeline?

WalletHub, Financial Company

Here’s the Credit One application processing timeline:

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joaniepennacchio, Member

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