One of the benefits of applying for a credit card online is the ability to know if you’ve been approved or rejected within minutes, but in some cases all you’ll learn is that your card application credit is “under review” or “pending. “
What does it mean when your credit card application is being reviewed? Why do lenders sometimes need more time to assess credit applications, and how long will you have to wait until they make their decision? Let’s take a close look at what happens when your credit card application is pending – and what you can do while you wait for a response from the credit card company.
How long does it take to review a credit card application?
How long does it take to get approved for a credit card application? It depends. In many cases, when you apply for a credit card online you learn the status of your credit card application within minutes – and if your application was successful, you can often shop online with your new credit card number right away. (It will usually still take 7-10 days to the physical credit card to arrive by mail.)
However, sometimes credit card issuers need more time to review a credit card application and make a final decision. This means that you may receive the message that your request is “pending” or “under review”. Many pending credit card applications are resolved within days, although some lenders may take two or more weeks to complete the review process.
Common reasons why your application may be under review
Sometimes lenders need more time to accept or decline a credit card application. Here are some of the most common reasons why your application may still be under review:
- The information you included in your request may not match the information on your credit report. Maybe you accidentally typed your phone number wrong, for example, or maybe you’ve recently moved and your credit report hasn’t been updated to reflect your new address yet.
- You recently requested a lot of new credits. Lenders may want to investigate your recent credit inquiries to determine if you plan to take on more debt than you can afford.
- The lender could suspect identity fraud. If there are any discrepancies between your request and your credit report, or if you have requested multiple credit cards in one day, a lender may wonder if someone else is trying to take out credit on your behalf.
- The lender should verify your request. In some cases, lenders will contact you to verify the personal information or income information that you included in your application.
- The lender could be inundated with requests. When a bank or credit card issuer releases a new credit card, especially if the credit card offers unique rewards or a sign up bonus – they can receive more requests than they can process at the same time.
What to do if your request is pending
If the status of your credit card application is pending, the best thing you can do is be patient. Many banks and credit card issuers resolve pending credit card applications within days, although it may take a few weeks before some lenders are able to make their final decisions. Here’s what you can do while you wait:
look at the mail
Almost all lenders send information about their application decisions by mail, either to congratulate you on your approval or to explain why your credit card application was refused. Check your mailbox regularly to make sure you haven’t missed any letters.
Monitor your messaging
Often your credit card application decision will come both by post and email – and in most cases, you will receive the email first. Keep an eye on your inbox and don’t forget to check your spam folder.
Log in to your online portal
If you already have an online account with the bank or lender in question, you may be able to log into your online portal to check the status of your new credit application. Many credit card issuers also offer claim status portals that allow you to check your pending claim.
Call customer service
If you are still waiting for a feedback on the status of your request, you can always contact customer service. Some credit card issuers have dedicated status phone lines; if not, you can just call the main customer service phone number.
How to check the status of your credit card application
Different credit card examiners have different application processes and different ways for you to check the status of your credit card application. If you’re waiting for a decision to apply for a credit card, here’s how to check your status with some of the major credit card issuers:
Pending American Express credit card application
You can check the status of your Amex request online – simply enter your social security number and zip code, and American Express will display the status of your Amex credit card application. You can also contact American Express customer service at 1-800-528-4800.
Pending Bank of America credit card application
You can check your Bank of America credit card status online by submitting your last name, date of birth, last four digits of your social security number and postal code. If you would like to check the status of your Bank of America credit card application over the phone, call the credit cards customer service line at 1-800-732-9194 to inquire about the status of your card application. Bank of America Credit.
Capital One credit card application pending
You can check the status of your Capital One credit card application by calling the Capital One Application Status Line at 1-800-903-9177.
Chase credit card application pending
If you already have an online account with Chase, you can check the status of your Chase credit card application by logging into your account, opening the drop-down menu on your dashboard, and selecting the “Status” option. demand “. You can also check the status of your Chase credit card by calling Chase customer service at 1-800-935-9935.
Pending Credit One credit card application
You can check the status of your credit application online by entering your name and social security number in the required fields. You can also check your Credit One status by calling the Credit One Claims Information Line at 1-800-752-5493.
Discover pending credit card application
You can check the status of your Discover request online – as with American Express, you will need to provide your social security number and postal code. You can also check the status of your Discover card by calling the Discover request status line at 1-800-347-3085.
Pending Wells Fargo credit card application
Use the Wells Fargo Claims Status Portal to check the status of your Wells Fargo credit card. If you already have a Wells Fargo Online® account, you can use your username and password to log in. Otherwise, you will need to enter your last name, date of birth, the last four digits of your Social Security number, and the Wells Fargo access code sent to your email address after completing your credit card application.
You can also check your Wells Fargo status by calling one of the Wells Fargo request status lines. If you’ve applied for a Wells Fargo Visa credit card, call 1-800-967-9521. If you have applied for a Wells Fargo Propel American Express® card, call 1-877-514-3717.
What is instant approval and how does it work?
Instant Approved Credit Cards are exactly what they sound like – when you apply for an Instant Approval Card, you get your approval decision as soon as your application is complete. A bank or lender will quickly review your credit score and credit history before deciding to issue you with an instant approval credit card.
Some instant approval credit cards are conditional, in that a lender can revoke the approval decision after performing a more thorough review of your credit. (This is a good time to remind you that being rejected for a credit card won’t hurt your credit score, although the recent investigation will lead to a slight decrease.) In some cases, lenders may not be able to provide an instant approval decision and may request additional information or verification. People with good or excellent credit have the best chance of getting approved for an instant approval credit card.
The easiest cards to get approved
Some credit cards are more difficult to obtain than others. Almost all today’s best credit cards, for example, are reserved for people with good or excellent credit. If you are still trying to build your credit, here are some of the easiest credit cards to obtain approval for:
These credit cards can help you build responsible credit habits, improve your credit history, and work your way to the type of credit score that will help you qualify for the best credit cards on the market – and As your credit rating improves, you are likely to receive fewer “pending application” notices and be more likely to be approved for the credit cards you want.