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Credit card application status: How to check on your credit card application

Information verified correct on December 11th, 2016

Haven’t received a response for your credit card application? Don’t fret - discover how you can check the status of your application today

When you apply for a credit card, you can usually expect an immediate response. However, if you still 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.

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
St.George bank
St.George
Logon at 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.
Bank of Melbourne
Bank of Melbourne
Logon to the Bank of Melbourne to check your status, or they can send you an email or SMS on the status of your application.13 22 66
24 hours. 7 days a week.
Coles MasterCard
Coles MasterCard
Call Coles Customer Care about your MasterCard application or write to GPO Box 940 Melbourne VIC 3001.1300 306 397Mon-Fri: 8am-9pm
Sat: 8am-8pm
Sun: 8:30am-8pm
Citibank
Citibank
Logon to your online Citibank account to check your application status or fill out an online enquiry form.13 24 84
24 hours. 7 days a week.

American Express
American Express
The 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
NAB
You can seek help from a NAB consultant using live chat on the NAB website or email: social.media@nab.com.au with your number and a consultant will call you back.1300 361 138Mon-Fri: 8am-5pm
ANZ
ANZ
Call 13 13 14 or write to ANZ Cards Locked Bag, 10 Collins Street West, Melbourne VIC 8007.13 22 7324 hours. 7 days a week.
Virgin Money
Virgin Money
Check your application status online at Virgin Money on their ‘application status’ page.13 37 3924 hours. 7 days a week.
HSBC
HSBC
You can seek help from a HSBC consultant using live chat on the HSBC Australia website or call to ask for an update.1300 308 008Mon-Fri: 8am-8pm
latitude-financial-services

Latitude Financial Services

The 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
Westpac
You can call the Personal Banking hotline or Cards hotline at 1300 651 089.132 032Mon-Sun: 8am-8pm
Commonwealth BankCommonwealth 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 2124 hours. 7 days a week.
Peoples Choice Credit Union
People's Choice
If you’re an existing customer, you can send a secure mail enquiry using Internet Banking.13 11 82Mon-Fri: 8am-8pmSat: 8:30am-4:30pm
IMB
IMB
You can fill out an online enquiry form here: https://forms.sharedservices.com.au/form.php133 462Mon-Fri: 8am-8pmSat: 9am-4pm

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Q: How long does 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 in their systems.

The general rule is to provide all of the required information when you apply, as this will generally speed up the approval 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 owing to one of the following reasons:

  • The provider thinks that certain information on your application may be insufficient, incorrect or inconsistent, and may require adding or changing.
  • 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.

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What responses can I expect when applying for a card?

Approval can be instant and verified within 60 seconds online, but you could also receive the following responses depending on whether the bank requires more information:

greenlight (1)Instant approval

With instant online applications, credit card providers 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 basically requires more time to carry out further assessments before giving you a conclusive answer.

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 expect or 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 report 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

Rates last updated December 11th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
NAB Low Rate Credit Card
Enjoy a low interest rate of 0% p.a. on purchases and balance transfers for 15 months, combined with a competitive annual fee of $59.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info
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. Also, enjoy an annual fee waiver in the first year.
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) Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn bonus Velocity Points in the first 3 months. 0% p.a. for 18 months on balance transfers.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
NAB Low Fee Card
Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $30 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
19.99% p.a. $199 p.a. Go to site More info
American Express Qantas Discovery Card
Enjoy up to 7,500 bonus Qantas Frequent Flyer Points and 1 point per $1 spent, plus 0% p.a. on balance transfers for 12 months, all for a $0 annual fee.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
ANZ First Visa Credit Card
Enjoy 0% p.a. balance transfer rate for the first 18 months, a low annual fee, interest-free days on purchases and a low minimum credit limit.
19.74% p.a. 0% p.a. for 18 months with 3% balance transfer fee $30 p.a. Go to site More info
NAB Qantas Rewards Premium Card - Exclusive Offer
Get 75,000 bonus Qantas Points plus enjoy a low promotional offer of 4.99% p.a. for 6 months on balance transfers.
19.99% p.a. 4.99% p.a. for 6 months $250 p.a. Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Go to site More info
ANZ Low Rate
$100 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $58 p.a. Go to site More info
St.George Amplify Platinum
This card features a 30,000 bonus points offer, introductory interest rates on balance transfers and purchases and an annual fee waiver for the first year.
1% p.a. for 12 months (reverts to 19.49% p.a.) 0% p.a. for 18 months $0 p.a. annual fee for the first year ($99 p.a. thereafter) Go to site More info
Virgin No Annual Fee Credit Card
No annual fee for the life of the card with $100 cashback and a 0% p.a. offer on balance transfers for 18 months. Spend criteria applies for cashback offer.
18.99% p.a. 0% p.a. for 18 months with 2% balance transfer fee $0 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Receive 0% p.a. for 12 months on purchases, 0% p.a. for 6 months balance transfers and an exclusive $129 Virgin Australia Gift Voucher every year.
0% p.a. for 12 months (reverts to 20.74% p.a.) 0% p.a. for 6 months $129 p.a. Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases and receive complimentary domestic return flight and lounge passes each year you hold the card when you spend $500 on eligible purchases within the first three months.
20.24% p.a. $225 p.a. Go to site More info
ANZ Platinum Credit Card
Enjoy platinum card benefits with $0 annual fee in the first year and complimentary overseas travel and medical insurance.
19.74% p.a. 0% p.a. for 18 months with 3% balance transfer fee $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
NAB Velocity Rewards Premium Card
0% p.a. on purchases and balance transfers for 15 months and 25,000 bonus Velocity Points when you make an everyday purchase in the first 90 days of opening your account. You gain both Visa and American Express cards which are linked to one single account and annual fee.
0% p.a. for 15 months (reverts to 19.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $150 p.a. Go to site More info
NAB Qantas Rewards Premium Card
Get 25,000 bonus Qantas Points plus enjoy a low promotional offer of 0% p.a. for 15 months on purchases and balance transfers.
0% p.a. for 15 months (reverts to 19.99% p.a.) 0% p.a. for 15 months with a one-off 3%% balance transfer fee $250 p.a. Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
12.99% p.a. 0% p.a. for 6 months $49 p.a. Go to site More info

Frequently asked questions about credit card applications

What factors can have a negative effect on my credit card application?

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.

Can the credit limit I ask for have an effect on my application?

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 there’s a mistake on my credit file that’s causing problems with my application can I fix it?

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 Veda Australia, Dun and Bradstreet Australia, and Experian Australia because they maintain separate records.

If I don’t understand any section of the application, is it okay to leave it blank?

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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