Quick Links for Checking Your Credit Card Application Status Online!

Quick Links for Checking Your Credit Card Application Status Online!

Million Mile SecretsQuick Links for Checking Your Credit Card Application Status Online!Million Mile Secrets Team

Disclosure: We get a commission for links on the blog. You don’t have to use our links, but we’re very grateful when you do. American Express, Capital One, Chase, and US Bank are Million Mile Secrets advertising partners. Opinions expressed here are the author's alone, and have not been reviewed, approved or endorsed by our partners.

Very little in life is more thrilling than watching the animated loading wheel as you await the bank’s verdict on your credit card application.  We all hope for an instant approval.  But that’s not always the result!

Your application might not be instantly approved for various reasons.  It doesn’t necessarily mean you’ll be denied for the card!  But did you know it’s easy to check the status of your application while you’re impatiently waiting?

Quick Links For Checking Your Credit Card Application Status Online
Most Banks Let You Easily Check Your Credit Card Application Status Online

I’ll show you how to check your application status online with the major banks!

Easily Check Your Credit Card Application Status Online

Link:   Card Application Pending? Don’t Worry, Follow These Steps

When you apply for a credit card, you’ll see 1 of the following results:  approved, declined, or pending application.

Your application might not be instantly approved for several reasons.  For example:

  • You may not get an instant approval if you already have lots of credit with a single bank (you may be at or near the maximum amount of credit they’re willing to extend you)
  • If you’re applying for a small business card, the bank may want more information about your business before approving you
  • If you apply for credit cards regularly (like most of us in this hobby!), the bank may just want to confirm that the application isn’t fraudulent

If your application is shown as “pending“, it may be best NOT to call the bank reconsideration line, and instead wait for your application to process automatically.  Full disclosure, I’m pretty impatient, and usually call the reconsideration line immediately.  But by waiting, it’s like getting 2 shots at an approval.

If you wait, the automated system may approve you.  If not, you can call reconsideration for another chance.

If your credit card application is pending, here’s how to check your application status online with the most popular banks!

 

1.   Barclaycard

Link:   Check Barclaycard Application Status

To check your Barclaycard credit card application status, just follow this link and enter a few bits of personal information.

Quick Links For Checking Your Credit Card Application Status Online
Remember to Choose Your Barclaycard Credit Cards Wisely! Barclaycard Generally Only Approves Folks for 1 or 2 Credit Cards per Year

2.   American Express

Link:   Check American Express Application Status

American Express is probably the easiest bank to check your online application.  They require just 2 pieces of information:  Your social security number, and your zip code Click this link to check your status.

Quick Links For Checking Your Credit Card Application Status Online
American Express Requires the Least Amount of Information to Check Your Application Status

3.   Chase

Unlike most other banks, you can NOT check your Chase application status online.  You’ll have to call the reconsideration line to find out.

Again, my advice is to wait for the automated system to give you an answer.  Do NOT call Chase right away.  That way you have more chances at being approved!

Chase’s automated system may still approve you.  If it doesn’t, call Chase and speak to a representative to plead your case.

Quick Links For Checking Your Credit Card Application Status Online
Occasionally, Checking Your Application Status Online Is NOT an Option. But You Can Call the Bank Any Time

If you already have other Chase cards, you can usually tell if your application has been approved, because the new card will appear in your online account alongside your other cards.

4.   Capital One

Similar to Chase, you can NOT check your Capital One application online.  But you can do it over the phone.  Check the status of your application any time by calling 8009039177.

5.   Citi

Link:   Check Citi Application Status Online

Citi gives you a couple of options for checking your application online.

When you apply for a Citi credit card, you should get an Application ID.  You can enter this number along with your zip code to check your application status through this link.

If you don’t have your Application ID handy, you can click the link that says “Use your Primary Phone Number, ZIP Code and Month and Year of Birth“.

Quick Links For Checking Your Credit Card Application Status Online
Don’t Know Your Application ID? Click the Highlighted Link!

You’ll be taken to a page with required information that should NOT take any digging for you to find the answer. 😉

Quick Links For Checking Your Credit Card Application Status Online
You Can Only Earn the Sign-Up Bonus With 1 Card of the Same “Family” Every 24 Months. So If You Open the Citi AAdvantage Platinum Select, You Aren’t Able to Earn the Citi AAdvantage Executive Sign-Up Bonus for 2 Years!

Don’t fret if your application status doesn’t change right away.  It can take days (and occasionally even weeks!) for banks to make a decision.

Remember, if the automated system declines your application, you should always call reconsideration!  Team member Joseph said that he called Citi to inquire about his declined Citi ThankYou Premier application, and the agent literally said “Hmm, let me take a look at that… Okay now you’re approved.”

Talking on the phone isn’t the most popular option for lots of folks, but it’s worth it!

Bottom Line

If you’re a miles & points enthusiast, chances are you’ll get a pending credit card application at some point!

Banks make checking your application status really easy.  Most let you do this online, though some issuers, like Capital One and Chase, do not.

Checking your application online is handy, because it usually takes 7 to 10 days for a bank to contact you with an answer via mail.

If you liked this post, why don’t you join the 25,000+ readers who have signed-up to receive free blog posts via email (only 1 email per day!) or in an RSS reader …because then you’ll never miss another update!

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Applied for the Amazon Prime Chase card and was declined! I have excellent credit and am a current Amazon Prime member. What am I missing here?

Folks who are impatient (like me) to know the decision on their Chase application, but don't want to talk to a customer service representative, can call 800-432-3117 to hear the status of their Chase application from a recording. Just input the following prompts in the phone tree when requested # 3 and 1. Next the Chase app line will ask for your ssn . Then it will tell you if your app is still pending or declined or the magic words we all want to hear, you are approved. I call daily until I get a decision. If Chase declines you you avoid waiting for that letter in the mail and can make your reconsideration call next.

Or (for Chase) there is also a number I have 888-338-2586 and it goes directly to a cardholder services message. You immediately enter your SS# and you will find out if approved.