You can check your SoFi credit card application status by calling 1 (855) 456-7634. When you call, you’ll need to provide your last name and Social Security number so that SoFi can match you to your application. It should only take a few minutes to find out whether your application is approved, denied, or pending. You cannot check your SoFi application status online.
How to Check Your SoFi Credit Card Application Status
Follow the prompts that lead to an application status check, or connect with a representative and tell them you’d like to check your application status.
Give your last name and Social Security number when asked.
Listen for the automated voice or customer service rep to tell you if your application is pending, approved, or denied.
Typically, you’ll receive a decision on your SoFi credit card application within 7-10 business days. And 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.
Pre-approval just means that a credit card company has made you an offer for one of their cards.
Receiving such an offer means the issuer has done a soft pull on your credit report and concluded that you are a good fit. It also means you have an 80%+ chance of acceptance if you decide to apply for the card in question. Unlike … read full answerhard inquiries which are done by issuers when you apply for a credit card, soft pulls don’t hurt your credit score. But they don’t guarantee approval either.
While there are plenty of issuers that offer "pre-approved credit cards", it's important to note that not all of them offer this feature. Also, until you actually apply for the card, you won't know for sure if you got approved for it.
The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power, after all.
Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So, if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.
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.