How to check your credit card application status
If you have applied for a new credit card and are waiting for an outcome, here's what you can do to check its status.
When you submit a credit card application online, you'll usually get a response in around 60 seconds. But getting the card approved could take hours or even days.
If you want to check on your credit card application, we've listed the contact numbers for the major card providers below.
You can also check via email or app, depending on the company. After you applied you should have received an application number or ID, which you can use to check the status of your application.
How can I check my credit card application status?
Every credit card provider in Australia 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, call and check.
| Credit card provider | Contact number |
|---|---|
 | 1300 557 743 Monday–Friday, 8am–6:30pm (Sydney time) |
 | 13 33 33 Mon-Fri: 8am-8pm |
 | 13 22 66 24 hours, 7 days a week |
 | 13 24 84 24 hours, 7 days a week |
 | 1300 306 397 24 hours a day, 7 days a week |
 | 13 22 21 Mon-Fri: 8am-7pm Sat: 9am-2pm |
 | 132 152 24 hours a day, 7 days a week |
 | 133 462 Mon-Fri: 8am-8pm Sat: 9am-4pm |
 | Latitude 28° Global Platinum Mastercard: 1300 552 079 Gem Visa: 1300 630 977 GO Mastercard: 1300 462 273 Latitude Mastercard: 1300 882 289 |
 | 13 22 65 Mon-Fri: 8am–7pm Sat-Sun: 9am–6pm |
 | 13 11 82 Mon-Fri: 8am-8pm Sat: 8:30am-4:30pm |
 | 13 33 30 24 hours, 7 days a week |
 | 1300 335 213 Mon-Fri: 8am-8pm Sat: 8:30am-5:30pm |
 | 132 032 Mon-Sun: 8am-8pm |
Applied for a credit card with a provider that's not in this list? You should be able to check the status of your application with one of the following options:
- Check your email (inbox and spam) to see if you've been sent confirmation of the application
- Call the customer service team
- Visit a branch
Why is my credit card application taking so long?
Most credit card companies offer a response within 60 seconds when you apply online. But if the credit card provider needs more information or doesn't offer "instant approval", it could take a few business days to find out if you're approved.
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 incorrect, 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. Get your free credit score here and ensure your financial history is in good standing before you apply.
- High demand. Sometimes a provider may get more applications than usual, which means it could take longer to get to yours – particularly if there is a competitive introductory credit card offer available.
- Incomplete applications. If you have missed a step in the application process 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.
Can I speed up the application process?
Once you've applied for a credit card you can't really speed the process up.
If you apply for a card with your current bank the process is usually faster. The bank already has a good overview of your financial position.
Another way to speed up your application is to make sure your credit score is in good shape and apply for a card you are definitely eligible for. Check the card's minimum income requirement before applying.
"I got rejected when I applied for a credit card recently. I have an Excellent credit score and I met the card's minimum income requirement. The problem was that I spend too much. We spend most of my salary and save my wife's. I contacted the card company by phone but they didn't give me any real explanation. Then I applied again in my wife's name with me as the joint cardholder. We were approved in an hour."
Finder survey: How many times have people been declined for a credit card?
Response | Male | Female |
|---|---|---|
| 0 | 21.62% | 18.97% |
| 1 | 2.82% | 1.9% |
| 2 | 1.69% | 1.55% |
| 3 | 0.38% | 0.17% |
Source: Finder survey by Pure Profile of 1113 Australians, December 2023
How to improve your chances of getting a credit card approved
- Avoid applying for multiple cards. This can hurt your credit score and increase your chances of rejection.
- Check your credit score. You can check your credit score for free. This helps you identify any issues you may have, such as unpaid debts or mistakes on your credit report. If you find a genuine error on the report, contact the credit reporting body to correct the error.
- Check your eligibility. Make sure you meet the eligibility requirements, such as the minimum income requirement, before you apply.
- Make a joint application. Applying with a partner can help boost your chance of approval.
Waiting to hear back about a credit card application right now? You can contact the provider to find out what's going on. Or, if you're getting ready to apply for a new credit card, get some more tips on the application process and compare some of the latest offers so you can get your next card as quickly as possible.
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