You can check your Credit One Platinum application status online. You will just need your last name and Social Security number.
Otherwise, you can call the designated Application Information line at (800) 752-5493. Follow the prompts to check your application status and when directed, enter your Social Security number. While Credit One can offer instant credit card approval, it may take up to three weeks to review an application and reach a decision.
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.… read full answer
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.
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.
The Credit One Bank® Platinum Visa® credit score requirement is 640 or better. That means people with fair credit or better have a shot at getting approved for the Credit One Platinum Card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Credit One Platinum Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.… read full answer
If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it’s best to wait to apply until you meet the Credit One Platinum credit score requirement. You can check your credit score for free on WalletHub.
The Credit One Platinum credit limit is $300 or more. Everyone who gets approved for Credit One Platinum is guaranteed a credit limit of at least $300, and particularly creditworthy applicants could get limits a lot higher than that. The higher an applicant’s credit score and income are, the higher the starting credit limit is likely to be.… read full answer
The Credit One Platinum credit limit that you start with isn’t necessarily your credit line forever. You can ask to get a credit limit increase by calling the Credit One Bank customer service number on the back of your card, but it’s best not to do that more than once a year. Credit One Bank will also evaluate your account periodically to determine whether you are eligible for a credit limit increase. Paying on time and keeping your credit utilization low are key for getting unsolicited credit line increases with Credit One Bank.
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