If you haven’t received a response to your credit card application, visit the card issuer’s website or call their customer service number to check on your application status.
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Have you recently applied for a new credit card? It's not always easy to be patient when you're eager to find out if your application has been approved. Fortunately, you can usually check the status of your credit card application by calling the issuer or by visiting their website. Here's everything you need to know to check the status of your application with major credit card issuers.
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You can check your credit card application status by calling the customer service number for the issuer. Most credit card issuers also let you check your application status online. (In some cases, this is an option only if you applied for the card online.)
To check your application status either online or by phone, you'll generally need to provide personal information, such as:
See the chart below for links to popular credit card issuers' application status pages and customer service numbers. You can also refer to any emails or communications you received from the credit card company for information on how to check your application status.
| Credit Card Issuer | Customer Service Phone Number |
|---|---|
| American Express | 888-826-3471 |
| Bank of America | 866-422-8089 |
| Capital One | 800-903-9177 |
| Chase | 888-338-2586 |
| Citi | 866-606-2787 |
| Discover | 800-347-3085 |
| Wells Fargo | 800-967-9521 |
| USAA | 800-531-8722 |
You'll often get an answer about your credit card application immediately if you apply online and meet the card issuer's criteria. However, it could take longer to receive an answer if:
If your credit card application isn't approved right away, you'll generally receive a message that your application is pending or under review. In this case, it may take seven to 30 days before you get an answer.
When your credit card application is rejected, you have several options, depending on the reason for the denial.
Keep in mind that too many credit card applications in a short period of time can negatively affect your credit because each application generates a hard inquiry that appears on your credit report. To minimize any damage to your credit score, it's best to see if you prequalify before applying and wait six months between credit card applications.
Frustrated by playing the waiting game after applying for a credit card? Contact the credit card issuer to check the progress of your application. Before applying for any credit card, check your credit report and credit score, and take steps to improve your credit if necessary.
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