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Credit card application status: How to check it

Waiting for a response to your credit card application? Here's how to check it.

If you apply for a credit card online, you can usually expect a response within 60 seconds of submitting the application. But if you haven’t heard back from the credit card company – or if you want to follow up on some of the details you provided – you can also check your application status.

Use this guide to learn how you can check your application status with major credit card companies in Australia, including ANZ, CommBank, NAB, Westpac and St.George. We also look at some key details on how the application process works so you know what to expect when you apply for a new card.

How can I check on my credit card application?

If you haven’t received a response regarding your application, you can contact your provider by following the steps and using the contact details listed in the table below.

LENDERDETAILSTELEPHONE NO
AMEX transparentAmerican ExpressYou should receive a response to your completed application within 60 seconds of submitting it online. If you have any questions, you can call American Express for further details.1300 557 743
Monday–Friday, 8am–6:30pm (Sydney time)
ANZ TransparentANZAfter you submit your application for an ANZ credit card, you'll get a response within 60 seconds and receive an application reference number that you can quote when calling ANZ for information about your application's progress.13 22 73
24 hours. 7 days a week.
BOM transparentBank of MelbourneBank of Melbourne provides you with an application number and password to check your application online. You can also receive an email or SMS with your application status or call 13 22 66 to follow up.13 22 66
24 hours. 7 days a week.
citi-logo-212x98CitiCiti provides you with an application ID or reference number you can use to check the status of your application online. Alternatively, you can call customer service on 13 24 84.13 24 84
24 hours. 7 days a week.
Coles transparentColes MastercardYou can contact Coles Mastercard about your credit card application or write to GPO Box 940 Melbourne VIC 3001.1300 306 397
Mon-Fri: 8am-9pm
Sat: 8am-8pm
Sun: 8:30am-8pm (AEST)
Commonwealth Bank TransparentCommonwealth BankIf you are an existing CBA customer, you can track the status of your application in NetBank. You can also submit an enquiry via NetBank.13 22 21
24 hours. 7 days a week.
hsbc transparentHSBCYou can check your application status online using your date of birth and application reference, or other personal details. You can also call HSBC to ask for an update.1300 308 008
Mon-Fri: 8am-8pm
imb bank logoIMBYou can fill out an online enquiry form via the imb website, or call customer service for application updates.133 462
Mon-Fri: 8am-8pm Sat: 9am-4pm
Latitude transparentLatitude Financial ServicesLatitude Financial Services has dedicated phone numbers for individual cards, which we've listed here.28 Degrees Platinum Mastercard: 1300 552 079
Gem Visa: 1300 630 977
GO Mastercard: 1300 462 273
Latitude Mastercard: 1300 882 289
nab-200x100NABYou can seek help from a NAB consultant using live chat on the NAB website or by contacting them via email through the secure message form on their website.13 22 65
Mon-Fri: 8am–7pm
Sat-Sun: 9am–6pm
peoples choice transparentPeople's ChoiceIf you’re an existing customer, you can send a secure mail enquiry using Internet Banking.13 11 82
Mon-Fri: 8am-8pm Sat: 8:30am-4:30pm
stgeorge transparentSt.GeorgeLog on to the St.George website to check on your application or be updated via email or SMS through the process.13 33 30
24 hours. 7 days a week.
virgin money transparentVirgin MoneyCheck your application status online at Virgin Money on their "application status" page.1300 335 213
Westpac TransparentWestpacYou can track your application online by providing your reference number and some personal security details, chat with a representative online or call Westpac's general enquiries number.132 032
Mon-Sun: 8am-8pm

How long will it take for my application to be approved?

Although most credit card applications provide instant approval or conditional approval (approved within 2-4 business days), credit card providers can take between one to two weeks to review an application. If you’re an existing member of the bank, the process may be quicker as they’d already have some of your verified information.

The general rule is to provide all of the required information when you apply, as this will speed up the process. It's also a good idea to make sure you meet all eligibility requirements for the card before you apply.

What responses could I get when I apply for a credit card?

ccf-applications-250x250Most credit card providers aim to give you an instant response when you apply online. Here are some of the most common outcomes:

greenlight (1)Instant approval

With instant online applications, credit card issuers can provide a response on your application status almost immediately. While lending criteria varies between providers and cards, common checks include identity verification and credit score checks. By providing all the required information and keeping a good credit history, you can look forward to instant approval.

amber-traffic-light-md (2)Referral

If your credit card application is under referral, the card provider requires more time to carry out further assessments before giving you a conclusive answer.

amber-traffic-light-md (2)

Conditional approval

Getting conditional approval essentially means that the credit card provider is buying time to verify your details before granting approval. In such a scenario, you might have to provide personal identification documents or payslips by visiting a branch office or via fax. Complete approval only takes effect after that’s done and you’ve signed the contract.

redlight (2)Application not approved

The reason behind a provider not approving your application could be that you haven’t met the lending criteria. Such factors could include insufficient income, poor creditworthiness or credit history, and unstable employment. If you’ve been rejected, don’t apply for another card straight away. Instead, either request a copy of your credit report to make sure everything’s in order or start comparing other cards to apply for in a few months, making sure you’re paying attention to the eligibility requirements.

Why is my credit card application taking so long?

If you expected to hear back about you application before now, here are some of the most common reasons your credit card application could be delayed:

  • Not enough information. If you haven't given enough details on your application, or if the information is wrong or inconsistent, the provider may need to contact you to get the right information. This adds an extra step to the application process that can cause delays.
  • Credit issues. If you have black marks on your credit report, the provider may want to look at them in more detail before completing its assessment of your application.
  • High demand. Sometimes a credit card provider may get more applications than usual, which means it could take longer to get to yours – particularly if there is a very competitive introductory offer available.
  • Incomplete applications. If you have missed a step in the application process, such as submitting additional documents and information, then this will hold up the application until you have provided all the information that the bank requires.

You can usually sort out credit card application delays by calling the credit card provider to find out what's going on. Also monitor your calls, inbox and mailbox in case the provider is trying to get in touch with you, but know that calling them first is always the quicker option.

What mistakes should I avoid when I'm waiting to hear about a credit card application?

Here are some things you should avoid while waiting to hear back about the status of your credit card application:

  • Making multiple applications. You may be tempted to apply for another credit card while you’re waiting for a response, but know that multiple simultaneous applications will have a negative impact on your credit file.
  • Credit report mistakes. If your credit card was rejected and you’re unsure why, make sure you’ve met the eligibility requirements and order a copy of your credit score to make sure you haven’t fallen victim to fraud or mistakes on your file. If you find a genuine error on the report, contact the credit card provider and credit reporting body to initiate investigation and correction.
  • Customer service delays. It could take days or weeks for a bank to respond to an email enquiry and you’re to expect wait times when you’re contacting the customer service phone line. Before you call, make sure the number you’re dialling is toll-free. If it isn’t, avoid calling early in the morning, at lunch time or after 5pm when they’re likely to be inundated with calls.

Applying for a credit card is one thing, but receiving it is quite another. You may have to wait a considerable period for it, which is why we recommend you apply in advance and always stay on top of your application by calling your provider.

Compare Credit Cards with 60 second approval

It's not advisable to apply for more than one credit card any given time. If you are looking for 60-second approval, compare the cards below.

Rates last updated September 24th, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
ANZ Platinum Credit Card - Exclusive Offer
0% p.a. for 3 months (reverts to 19.74% p.a.)
0% p.a. for 12 months
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Exclusive to finder, receive 0% p.a. interest on purchases for 3 months and 0% p.a. on balance transfers for 12 months with no balance transfer fee.
St.George Vertigo Visa
13.24% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$55 p.a.
Receive up to 55 days interest-free on purchases and the ability to make contactless payments with Visa payWave technology.
NAB Low Fee Card
19.74% p.a.
0% p.a. for 16 months with 2% balance transfer fee
$30 p.a.
Receive complimentary purchase protection insurance, special offers from Visa Entertainment and up to 44 days interest-free on purchases.
HSBC Platinum Qantas Credit Card
19.99% p.a.
0% p.a. for 6 months
$199 p.a.
Receive 60,000 bonus Qantas Points when you meet the spend requirement and earn up to 1 Qantas Point per $1 spent.
Qantas American Express Discovery Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$0 p.a.
Earn Qantas points that can be redeemed for a one way, return or multi-destination Classic Flight Reward on over 50 partner airlines.
ANZ Low Rate
12.49% p.a.
0% p.a. for 16 months with 2% balance transfer fee
$58 p.a.
Receive up to 55 days interest-free on purchases, up to 3 additional cardholders at no cost and Mastercard PayPass.
ANZ Rewards Travel Adventures card
20.24% p.a.
$225 p.a.
Receive 40,000 bonus Velocity Points when you spend $500 on eligible purchases in the first three months.
St.George Vertigo Platinum
12.74% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$99 p.a.
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
St.George Amplify Platinum
19.49% p.a.
$99 p.a.
Earn up to 1 Amplify Rewards Point per $1 spent and receive complimentary overseas travel insurance.
St.George Amplify Signature
19.49% p.a.
$279 p.a.
Earn up to 1.5 Amplify Rewards Points per $1 spent and receive two complimentary airport lounge passes per year.
ANZ Platinum Credit Card
19.74% p.a.
0% p.a. for 16 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Enjoy platinum card benefits with a 24/7 personal concierge and complimentary overseas travel and medical insurance.
ANZ First Visa Credit Card
19.74% p.a.
0% p.a. for 16 months with 2% balance transfer fee
$30 p.a.
Get up to 44 interest-free days on purchases and take advantage of a low minimum credit limit.
NAB Qantas Rewards Premium Card
19.99% p.a.
0% p.a. for 6 months
$250 p.a.
A dual Amex and Visa card that earns up to 1 Qantas Point per $1 spent on eligible purchases, plus a 24/7 personal concierge.
NAB Velocity Rewards Card
19.99% p.a.
0% p.a. for 6 months
$95 p.a.
This dual Amex and Visa card offers up to 0.75 Velocity Points per $1 spent on eligible purchases and special Visa Entertainment offers.
NAB Velocity Rewards Premium Card
19.99% p.a.
0% p.a. for 6 months
$150 p.a.
Offers up to 1 Velocity point per $1 on purchases, combined with complimentary insurance covers and a concierge service.
NAB flybuys Rewards Card
19.99% p.a.
0% p.a. for 6 months
$95 p.a.
Earn 1 flybuys point per $1 spent on everyday purchases and receive 7 complimentary insurance covers.
NAB Qantas Rewards Card
19.99% p.a.
0% p.a. for 6 months
$95 p.a.
A dual Amex and Visa card that allows you to earn up to 0.75 Qantas Points per $1 spent, plus complimentary purchase protection insurance.
NAB Low Rate Credit Card
13.99% p.a.
0% p.a. for 16 months with 2% balance transfer fee
$59 p.a.
Receive up to 55 days interest-free on purchases, special offers from Visa Entertainment and Tap and Pay capabilities.
NAB Rewards Classic Card
19.99% p.a.
0% p.a. for 6 months
$95 p.a.
Earn 0.75 NAB Rewards Points per $1 spent and receive complimentary purchase protection insurance.
NAB Rewards Platinum Card
19.99% p.a.
0% p.a. for 6 months
$195 p.a.
Collect 50,000 bonus points when you spend $2,500 on everyday purchases within 60 days of account opening.
ANZ First Student Card
19.74% p.a.
$0 p.a. annual fee for the first year ($30 p.a. thereafter)
An ideal credit card for students with up to 44 days interest-free on purchases. Access your account on the go with the goMoney™ app.

Compare up to 4 providers


Frequently asked questions about credit card applications

Factors that can adversely affect your application include poor creditworthiness, no credit history, mistakes on your credit file, low income, recent change in employment, too much existing debt, and too many credit enquiries.
Yes, it can. Credit card providers use different criteria to decide credit limits, and while you might not qualify for a higher limit you could qualify for a lower limit.
If you notice a mistake on your credit file you should report it to the credit provider in question immediately, and the provider should then rectify the mistake by contacting the credit agency in question. Make sure you send a copy of the dispute to Equifax Australia, Dun and Bradstreet Australia, and Experian Australia because they maintain separate records.
Incomplete applications have little to no chance of success, and if you submit an incomplete application, the provider might take some time to seek additional information, if it does so at all. If there’s anything in the application you don’t understand, seek clarification from the provider and then proceed.
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Jacob Joseph

Jacob is a writer and video journalist with finder.com.au. Credit cards, personal loans and savings accounts are his bread and butter, and he likes nothing more helping people understand the sometimes overly complex world of personal finance.

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