calling-bank-application450x250

How to check your credit card application status

If you have applied for a credit card and haven't received a response, here's what you can do to speed up the process.

If you've applied for a credit card but haven't heard from the provider, you can contact them directly to check your application status. The card issuer may be able to confirm the status of your application or they may ask you to provide further information.

You can use this guide to find the contact information for major credit card companies in Australia including ANZ, CommBank, NAB, Westpac and St.George. This guide also covers why your application may be taking longer to approve and some tips for speeding up the process.

How can I check my credit card application status?

Every credit card provider has a slightly different application process, so waiting times will vary. But if you haven’t received a response to your application and want to know more, you can use the table below to find out about the standard waiting times and how you can check on the status of your application.

Credit card provider
Application details
Contact number
american express logo You should receive a response within 60 seconds of submitting your credit card application 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 logo small After you submit your application for an ANZ credit card, you'll get a response within 60 seconds and receive an application reference number. To check your ANZ credit card application status, call the bank and quote this reference number. 13 22 73
24 hours, 7 days a week
bom logo small Bank 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 Citi 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 logo You 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 Transparent If 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 provider logo You 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-logo You 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 logo Latitude 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-logo You 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
people choice logo If 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
Log 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 logo Check your application status online at Virgin Money on their "application status" page. 1300 335 213
24 hours, 7 days a week
westpac logo You 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

Why is my credit card application taking so long?

Most credit card companies offer a response within 60 seconds from when you submit your completed application online. This means you could be approved almost instantly if your application is successful. But if the credit card provider requires more information or doesn't offer "instant approval", it could take anywhere from a few business days to one or two weeks for you to find out if you're approved.

If you're still waiting to hear back about your credit card application, here are some of the most common reasons for a delay:

  • Not enough information. If you haven't given enough details on your application, or if the information is wrong, the provider may need to contact you to get the right information.
  • 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. It's important to check your credit score and ensure your financial history is in good standing before you apply.
  • 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. Before you submit your application, it's important to review your application and ensure you've completed the relevant sections and provided all of the necessary information.

How can I speed up the application process?

It's possible the application process could be quicker if you’re an existing member of the bank, because they'll already have some of your details on hand. Whether you're an existing member or new to the bank, making sure you provide all the relevant information and meeting the eligibility requirements will help speed up the process.

Mistakes to avoid

Here are some of the common issues to avoid when you're applying for a credit card or waiting for a response:

  • 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 full credit report and credit score (which you can do for free with finder) 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 an investigation and correct the error.
  • 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 lunchtime or after 5pm when you could be on hold for a long time.

What's next?

If you're waiting to hear back about a credit card application, you can contact the provider now to find out what's going on. Or, if you're getting ready to apply for a new credit card, you can compare your options here and learn more about the online application process to help get a response within minutes of submitting it.

Compare Credit Cards with 60 second approval

Rates last updated December 10th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Westpac Low Rate Card
13.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
ANZ Low Rate
12.49% p.a.
0% p.a. for 15 months
$58 p.a.
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
20.74% p.a.
0% p.a. for 18 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus points in the first 3 months and save with a $64 first year annual fee. Plus, a long-term balance transfer offer.
St.George Amplify Signature - Qantas
19.49% p.a.
$179 p.a. annual fee for the first year ($279 p.a. thereafter)
Enjoy 80,000 bonus Qantas Points when you spend $4,000 within 90 days and 2 complimentary Qantas Club lounge invitations per year.
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 24 months
$99 p.a.
Save with 0% p.a. interest for up to 24 months on balance transfers with no BT fee. Plus, platinum perks. Ends 17 December 2018.
NAB Low Fee Card
19.74% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$30 p.a.
Receive complimentary purchase protection insurance, a 18 month balance transfer offer and special offers from Visa Entertainment.
HSBC Platinum Qantas Credit Card
19.99% p.a.
0% p.a. for 12 months
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
Save with a $0 first year annual fee and a long-term balance transfer offer. Plus, complimentary travel insurance.
ANZ Rewards Travel Adventures card
20.24% p.a.
$225 p.a.
Receive 40,000 bonus Velocity Points, 2 yearly Virgin Australia lounge passes, plus enjoy $0 overseas purchase transaction fees.
St.George Amplify Platinum
19.49% p.a.
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Receive 50,000 bonus Amplify Points when you spend $2,000 within 90 days and save with a $0 annual fee for the first year.
ANZ Platinum Credit Card
19.74% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Receive a 0% p.a. for 18 month balance transfer offer and a $0 first year annual fee. Plus, complimentary overseas travel and medical insurance.
ANZ First Visa Credit Card
19.74% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$30 p.a.
Get up to 18 months interest-free on balance transfers and save with a low $30 annual fee. Plus, up to 44 days interest-free on purchases.
St.George Vertigo Classic
13.74% p.a.
0% p.a. for 16 months
$55 p.a.
Get 0% p.a. interest for up to 16 months on balance transfers with no BT fee. Plus, a competitively low annual fee and purchase rate.
NAB Low Rate Credit Card
0% p.a. for 6 months (reverts to 13.99% p.a.)
0% p.a. for 6 months with 2% balance transfer fee
$59 p.a.
Receive an introductory 0% p.a. interest rate for 6 months on purchases, Visa Entertainment offers and a competitive $59 ongoing annual fee.
Westpac Altitude Black - Qantas
20.24% p.a.
$300 p.a.
Earn 80,000 bonus Qantas Points when you meet the spend requirement. Plus, 2 yearly Qantas Club lounge invitations.
St.George Amplify
0% p.a. for 14 months (reverts to 19.49% p.a.)
$79 p.a.
Take advantage of 0% p.a. interest on purchases for the first 14 months. Plus, earn 1 Amplify Point per $1 spent on eligible purchases, uncapped.
ANZ First Student Card
19.74% p.a.
$0 p.a. annual fee for the first year ($30 p.a. thereafter)
An ideal, low limit credit card for full-time tertiary students with up to 44 days interest-free on purchases and a $0 annual fee for the first year.
NAB Qantas Rewards Premium Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$250 p.a.
Offers 30,000 bonus points when you meet the spend requirements and Qantas Points for your everyday spending. Plus a 24/7 personal concierge.
NAB Rewards Platinum Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$195 p.a.
Collect 60,000 bonus points when you spend $1,000 within 60 days of account opening. Plus, receive complimentary travel and purchase insurances.
NAB Qantas Rewards Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$95 p.a.
A Visa card that offers 0.5 Qantas points per $1 spent, complimentary purchase protection insurance and up to 44 interest-free days on purchases.
NAB Rewards Classic Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$95 p.a.
Get 30,000 bonus points when you meet the spend requirement, 0.75 NAB Rewards Points per $1 spent and a 0% p.a. balance transfer offer.
NAB Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 p.a.
Receive 90,000 bonus NAB Rewards points, worth over $450 in gift cards or 45,000 Velocity points when you meet the spend requirement.
Qantas Premier Everyday
0% p.a. for 9 months (reverts to 19.99% p.a.)
0% p.a. for 9 months
$49 p.a.
Take advantage of 20,000 bonus Qantas Points, a 0% p.a. purchase and balance transfer offers. Plus, complimentary overseas travel insurance.
Westpac Altitude Platinum Card
20.24% p.a.
$0 p.a. annual fee for the first year ($150 p.a. thereafter)
Earn 60,000 bonus Altitude Points when you spend $3,000 within 90 days of card approval. Plus, a $0 first year annual fee.
BankSA Amplify Signature - Qantas
19.49% p.a.
$179 p.a. annual fee for the first year ($279 p.a. thereafter)
Receive 80,000 bonus Qantas Points when you spend $4,000 within 90 days. Plus, a discounted first year annual fee and lounge passes.
Westpac 55 Day credit card
0% p.a. for 9 months (reverts to 19.84% p.a.)
$0 p.a. annual fee for the first year ($30 p.a. thereafter)
Save with 0% p.a. interest for the first 9 months on purchases and a $0 first year annual fee.
BankSA Amplify Platinum - Qantas
19.49% p.a.
$99 p.a.
Receive 50,000 bonus Qantas or Amplify Points when you spend $2,000 within 90 days and earn up to 0.5 Qantas points per $1 spent.
Virgin No Annual Fee Credit Card
18.99% p.a.
6.9% p.a. for 36 months
$0 p.a.
Offers a balance transfer rate of 6.9% p.a. interest for 36 months and up to 44 days interest-free on purchases, all for a $0 annual fee.
NAB Low Fee Platinum Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee. Ends 16 December 2018

Compare up to 4 providers

Back to top

Picture: Shutterstock

Was this content helpful to you? No  Yes

Related Posts

Credit Card Offers

Important Information*
Suncorp Clear Options Platinum Credit...

Interest rate

20.74

Annual fee

49*

*$129 p.a. after first year

American Express Westpac Altitude Pla...

Interest rate

20.24

Annual fee

50*

*$249 p.a. after first year

Citi Platinum Credit Card - Exclusive...

Interest rate

20.99

Annual fee

49*

*$149 p.a. after first year

Ask a question
Go to site