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Credit card application status: How to check it

Haven’t received a response for your credit card application? Check on it

When you apply for a credit card, you can usually expect an immediate response (60 seconds or less). However, if you haven’t heard back from the provider, it might be time to take things into your own hands. It’s not a difficult process, but to make things even easier, we’ve summarised all of the major credit card provider details and offered up some tips on how to best approach the situation.

Q. How can I check on my 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.

LENDERONLINETELEPHONE
stgeorge transparentSt.GeorgeLogon 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.
BOM transparentBank of MelbourneLogon to the Bank of Melbourne website to check your status, or they can send you an email or SMS about it.13 22 66
24 hours. 7 days a week.
Coles transparentColes MastercardCall Coles Customer Care about your Mastercard application or write to GPO Box 940 Melbourne VIC 3001.1300 306 397
Mon-Fri: 8am-9pm
Sat: 8am-8pm
Sun: 8:30am-8pm
citi-logo-212x98CitiLogon to your online Citi account to check your application status or fill out an online enquiry form.13 24 84
24 hours. 7 days a week.
AMEX transparentAmerican ExpressThe number to call depends on the card you applied for. Check this list to call the right number. See the American Express customer service page to confirm the number.
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
ANZ TransparentANZCall 13 13 14 or write to ANZ Cards Locked Bag, 10 Collins Street West, Melbourne VIC 8007.13 22 73
24 hours. 7 days a week.
virgin money transparentVirgin MoneyCheck your application status online at Virgin Money on their ‘application status’ page.13 37 39
24 hours. 7 days a week.
hsbc transparentHSBCYou can seek help from an HSBC consultant using live chat on the HSBC Australia website or call to ask for an update.1300 308 008
Mon-Fri: 8am-8pm
Latitude transparentLatitude Financial ServicesThe number to call depends on the card you applied for. Check this list to call the right number: http://www.gemoney.com.au/contact-us.html. You can also choose to email your contact details to: cardscrt@ge.com and have a consultant get in contact with you.1300 721 394
Westpac TransparentWestpacYou can call the Personal Banking hotline or Cards hotline at 1300 651 089.132 032
Mon-Sun: 8am-8pm
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.
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
imb bank logoIMBYou can fill out an online enquiry form here: https://forms.sharedservices.com.au/form.php133 462 Mon-Fri: 8am-8pm Sat: 9am-4pm
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Q: How long will it take for my application to be approved?

  • A: On average 1-2 weeks

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. Also, a good practice would be to run a quotation search first and be absolutely certain that you meet all eligibility requirements for the card.

  • Main reasons why your application is taking longer than expected

If your credit card application is taking longer than usual to process, it could be due to one or some of the following:

  • The provider thinks that certain information on your application may be insufficient, incorrect or inconsistent, and may require additions or edits.
  • The provider sees marks on your credit file that it wishes to analyse further or discuss with you.
  • The provider has to deal with a large number of applications and hasn’t reached yours yet.
  • The provider has misplaced your application.

Resolving the matter is often simple, and can sometimes take no more than a phone call. 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 responses can I expect when applying for a card?

Approval can be instant, but you could also receive one the following responses depending on whether the bank requires more information:

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.


Common mistakes you need to avoid when awaiting the status of your 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 June 24th, 2017
Name Product Product Description Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months.
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)
Virgin Australia Velocity Flyer Card - Exclusive Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent in the first 3 months, plus a $129 Virgin Australia Gift Voucher each year.
20.74% p.a.
0% p.a. for 18 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
NAB Low Fee Card
Receive complimentary purchase protection insurance, special offers from Visa Entertainment and up to 44 days interest-free on purchases.
19.74% p.a.
0% p.a. for 16 months with 2% balance transfer fee
$30 p.a.
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points when you meet the spend requirement and earn up to 1 Qantas Point per $1 spent.
19.99% p.a.
$199 p.a.
Qantas American Express Discovery Card
Earn Qantas points that can be redeemed for a one way, return or multi-destination Classic Flight Reward on over 50 partner airlines.
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$0 p.a.
ANZ Low Rate
Receive up to 55 days interest-free on purchases, up to 3 additional cardholders at no cost and Mastercard PayPass.
12.49% p.a.
0% p.a. for 16 months with 2% balance transfer fee
$58 p.a.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Save with 0% p.a. on purchases for 12 months. Plus, up to 0.66 Velocity Points per $1 spent.
0% p.a. for 12 months (reverts to 20.74% p.a.)
0% p.a. for 6 months
$129 p.a.
ANZ Rewards Travel Adventures card
Receive a complimentary return domestic flight when you spend $500 on eligible purchases in the first three months.
20.24% p.a.
$225 p.a.
St.George Vertigo Visa
Receive up to 55 days interest-free on purchases and the ability to make contactless payments with Visa payWave technology.
13.24% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
St.George Vertigo Platinum
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
12.74% p.a.
0% p.a. for 20 months
$99 p.a.
St.George Amplify Platinum
Earn up to 2 Amplify Rewards Points per $1 spent and receive complimentary overseas travel insurance.
19.49% p.a.
$99 p.a.
St.George Amplify Signature
Earn up to 3 Amplify Rewards Points per $1 spent and receive two complimentary airport lounge passes per year.
19.49% p.a.
$279 p.a.
ANZ Platinum Credit Card
Enjoy platinum card benefits with a 24/7 personal concierge and complimentary overseas travel and medical insurance.
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)
ANZ First Visa Credit Card
Get up to 44 interest-free days on purchases and take advantage of a low minimum credit limit.
19.74% p.a.
0% p.a. for 16 months with 2% balance transfer fee
$30 p.a.
NAB Qantas Rewards Premium Card
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.
19.99% p.a.
0% p.a. for 6 months
$250 p.a.
NAB Velocity Rewards Card
This dual Amex and Visa card offers up to 0.75 Velocity Points per $1 spent on eligible purchases and special Visa Entertainment offers.
19.99% p.a.
0% p.a. for 6 months
$95 p.a.
NAB Velocity Rewards Premium Card
Offers up to 1 Velocity point per $1 on purchases, combined with complimentary insurance covers and a concierge service.
19.99% p.a.
0% p.a. for 6 months
$150 p.a.
NAB flybuys Rewards Card
Earn 1 flybuys point per $1 spent on everyday purchases and receive 7 complimentary insurance covers.
19.99% p.a.
0% p.a. for 6 months
$95 p.a.
NAB Qantas Rewards Card
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.
19.99% p.a.
0% p.a. for 6 months
$95 p.a.
NAB Low Rate Credit Card
Receive up to 55 days interest-free on purchases, special offers from Visa Entertainment and Tap and Pay capabilities.
13.99% p.a.
0% p.a. for 16 months with 2% balance transfer fee
$59 p.a.
NAB Rewards Classic Card
Earn 0.75 NAB Rewards Points per $1 spent and receive complimentary purchase protection insurance.
19.99% p.a.
0% p.a. for 6 months
$95 p.a.
NAB Rewards Platinum Card
Collect 50,000 bonus points when you spend $2,500 on everyday purchases within 60 days of account opening.
19.99% p.a.
0% p.a. for 6 months
$195 p.a.
ANZ First Student Card
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.
19.74% p.a.
$0 p.a. annual fee for the first year ($30 p.a. thereafter)
NAB Premium Card
Take advantage of platinum credit card benefits including higher credit limits and travel insurance, combined with 0% p.a. interest rate on balance transfers for the first 20 months.
19.74% p.a.
0% p.a. for 20 months with 2% balance transfer fee
$90 p.a.

Compare up to 4 providers


Questions you've asked 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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