![]() ![]() If you’ve been rejected, don’t apply for another card straight away. ![]() Such factors could include insufficient income, poor creditworthiness or credit history, and unstable employment. The reason behind a provider not approving your application could be that you haven’t met the lending criteria. Complete approval only takes effect after that’s done and you have signed the contract. In such a scenario, you might have to provide personal identification documents or payslips by visiting a branch office. Getting conditional approval essentially means that the credit card provider is buying time to verify your details before granting approval. 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. ![]() By providing all the required information and keeping a good credit history, you’ll be eligible for instant approval. While lending criteria varies between providers and cards, common checks include identity verification and credit score checks. With instant online applications, credit card providers provide a response on your application status almost immediately. When it comes to applying for a credit card, there are a number of likely responses you may receive, depending on the quality of your application. List of documents needed for credit card application What responses can I expect when applying for a credit card? Here are the contact numbers for some of the main providers: If you haven’t received a response regarding your application, you can contact your provider by calling the customer services number listed on its website. Monitor your calls, inbox and post in case the provider is trying to get in touch with you, but know that calling them first is always the quicker option. Resolving the matter is often simple, and can sometimes take no more than a phone call.
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