Want to know what's going on with your credit card application? Here's how you can check it.
If you apply for a credit card online, you could get 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 my credit card application status?
Every credit card provider has a slightly different application process, which means waiting times can 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|
|You 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)|
|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.|
|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 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.|
|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)|
|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.|
|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|
|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 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|
|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|
|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.|
|Check your application status online at Virgin Money on their "application status" page.||1300 335 213|
|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|
How long will it take for my application to be approved?
Most credit card applications offer instant approval or conditional approval that can lead to an approved application within 2-4 business days. But, depending on the application, credit card providers could take between one to two weeks to review an application.
If you’re an existing member of the bank, the process may be quicker because they'll already have some of your details on hand. But whether you're an existing member or new to the bank, making sure you provide all the relevant information when you apply can help 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?
Most credit card providers aim to give you an instant response when you apply online. Here are some of the most common outcomes:
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.
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.
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.
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 thought you'd 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 delays by calling the credit card provider and checking your application status for up-to-date information. Also keep an eye on your inbox, mailbox and phone in case the provider is trying to get in touch with you.
What mistakes should I avoid when I'm waiting to hear about a credit card application?
Here are some of the common issues to avoid when you're 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.