2 Ways to Check Your Credit One® Application Status (Online & Phone)

2 Ways to Check Your Credit One® Application Status (Online & Phone)

credit card advice

Brittney Mayer
By: Brittney Mayer
Posted: May 21, 2017
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Site may be compensated through the issuer affiliate programs.

In a world that’s gone digital, it’s becoming harder to go through day-to-day life without a credit card. If you have less-than-stellar credit, though, finding an issuer willing to take on the risk can be difficult. Credit One Bank specializes in poor credit, or subprime, borrowers, and serves more than 7 million cardholders nationwide.

But, even with the knowledge that you are applying for a credit card from an issuer more likely to approve applicants with low credit scores, waiting for your online credit card application to be approved or denied can be stressful. And the process only becomes more stressful when the screen finally changes — only to reveal an “application pending” message.

Online Option | Phone Option | Alternative Cards

1. Use the Online Form to Check Your Application Status

Most online credit card applications can be approved or denied in minutes through the use of an automated algorithm that analyzes your credit information and determines your risk. In some cases, however, the program is unable to make a decision and your application must be reviewed by hand.

The hand-review process can be completed within a few hours to a few days, depending on the reason your application couldn’t be completed online. The most common reasons for a pending application are the need for more information and/or the verification of information from your application. Once you have supplied the necessary information or documentation, your application can be processed. Because your decision is mailed to you, it will generally take between 7 and 10 business days to receive a decision on your pending application.

Screenshot of Credit One Application Status Check

Checking your Credit One application status online requires only your last name and Social Security number.

If you don’t wish to wait for your response to be mailed, you can check your application status at any time through Credit One’s website. Simply complete the online form by inputting your last name and Social Security number, then click “Check Status.” Keep in mind that your status may take some time to update, so you may want to wait at least 24 hours after applying to check the status of your application.

2. Call the Application Information Line

For those who don’t want to use the online portal to check their application status — or would simply prefer to speak to a human — Credit One offers the option to call customer service via the Application Information Line. The Application Information line can be reached by dialing:

1-800-752-5493

Unlike the online portal for checking your application status, the customer service line is not available 24 hours a day. Instead, you can only reach a representative between the hours of 5 a.m. to 9 p.m., Monday through Friday, and 6:30 a.m. to 5 p.m. on Saturday and Sunday (all times are PST).

While having your application status up in the air can be stressful, it isn’t the fault of the customer service representative — so don’t take it out on them. Companies keep records of their customer interactions, and you could be jeopardizing your future relationship with the company if you develop a record of being a rude customer. You’ll always have the best results if you treat customer service representatives in a friendly and respectful manner.

Denied? Check Out These Alternative Credit Card Options

Unfortunately, not every application can be approved. If your Credit One application status has gone from “pending” to “denied,” it’s time to check out some alternative options. Those with lower credit scores will have the best results by applying for credit cards designed with them in mind, but that doesn’t necessarily mean you’ll be automatically rejected by other credit card issuers.

Most issuers have a pre-approval process that can give you a good idea of whether you’re likely to be approved for a credit card from that issuer. Credit card pre-approval application will result in a soft credit pull, which will not impact your credit score.

Good Credit (700+) | Fair Credit (650-699) | Bad Credit (< 650) | No/Limited Credit

Card Options for Good Credit (FICO Score 700+)

The credit cards aimed at those with good credit usually have the best perks and lowest interest rates. If you have poor credit, you are the least likely to be approved for these cards, so you may want to go through the pre-approval process before filling out a formal application.

Discover it® - Cashback Match™ Review

at Discover Card'ssecure website

  • Our Take: "One of our favorite cards, with long 0% intro APRs, low ongoing APRs, awesome cash back rewards, and lots more.
  • 5% cash back in categories that rotate quarterly, up to $1,500 per quarter when you sign up for the quarterly bonus
  • 1% cash back on all your other purchases
  • With Cashback Match you could turn $200 into $400, as the card matches the cash back you've earned at the end of your first year (only for new cardmembers)
  • No limit to the amount of cash back that can be matched"
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
11.74% – 23.74% Variable
$0
Excellent, Good
GOOD CREDIT RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74-24.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash — any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.74% - 24.49% Variable
$0
Excellent/Good
GOOD CREDIT RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Unlimited 1% cash back on all other purchases — it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74-24.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Enjoy new 5% categories every 3 months
  • Cash Back rewards do not expire as long as your account is open
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
15.74% - 24.49% Variable
$0
Excellent/Good

+See More Cards for Good Credit

Card Options for Fair Credit (FICO Score 650 – 699)

Credit cards designed for people with fair credit won’t have interest rates as high as a subprime card, but are more selective. These issuers may be more likely to approve applicants with lower credit scores who exceed other qualifications, such as income, or who show a recent history of improved credit use. If you’ve been rebuilding your credit, you may qualify for one of these cards.

FAIR CREDIT RATING
★★★★★
4.9
OVERALL RATING
4.5/5.0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your QuicksilverOne card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% (Variable)
$39
Average, Fair, Limited
FAIR CREDIT RATING
★★★★★
4.8
OVERALL RATING
3.8/5.0
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% (Variable)
$0
Average, Fair, Limited
Indigo® Unsecured MasterCard® Review

at the issuer'ssecure website

FAIR CREDIT RATING
★★★★
4.3
OVERALL RATING
4.0/5.0
  • Pre-qualify today without an impact on your credit score
  • Helping consumers with limited or damaged credit make a fresh start for over 12 years
  • Access your account online or from your mobile device 24/7
  • Protection from fraud if your card is stolen
  • Account history is reported to the three major credit bureaus in the U.S.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
23.9%
$0 - $99
Fair/Good

+See More Cards for Fair Credit

Card Options for Bad Credit (<650)

Depending on the state of your credit, your best option may be to apply with another issuer who specializes in subprime credit cards or to choose a secured credit card. Although these types of cards require a deposit equal to your credit limit, secured credit cards act the same as unsecured credit cards for making in-store or online purchases. For instance, a secured MasterCard will be accepted at any location that accepts MasterCard credit cards.

Fingerhut Credit Account Review

at Fingerhut'ssecure website

BAD CREDIT RATING
★★★★★
4.7
OVERALL RATING
4.0/5.0
  • Fingerhut offers all sorts of awesome products, like clothing, electronics, furniture and more.
  • A WebBank/Fingerhut Credit Account could help you build your buying power by reporting your on-time payments to all three credit bureaus.
  • There's no annual fee and no application fee.
  • See the complete WebBank/Fingerhut Credit Account terms and conditions.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See Issuer Website
$0
Poor Credit
BAD CREDIT RATING
★★★★★
4.6
OVERALL RATING
4.0/5.0
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% (Variable)
$0
Limited, Bad
Total Visa® Card Review

at the issuer'ssecure website

BAD CREDIT RATING
★★★★★
4.5
OVERALL RATING
3.5/5.0
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See Terms
See Terms
Fair, Bad Credit

+See More Cards for Bad Credit

Card Options for No or Limited Credit

One common reason for denying credit card applications is the applicant’s lack of a well-established credit history. Without enough in your credit report, it’s difficult for issuers to determine your potential credit risk. To eliminate this hurdle, you can apply for a credit card designed for those with no or limited credit.

NO/LIMITED CREDIT RATING
★★★★★
4.8
OVERALL RATING
3.8/5.0
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% (Variable)
$0
Average, Fair, Limited
Discover it® chrome for Students Review

at Discover Card'ssecure website

NO/LIMITED CREDIT RATING
★★★★★
4.6
OVERALL RATING
4.0/5.0
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. 1% cash back on all your other purchases.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
10.99% for 6 months
13.74% - 22.74% Variable
$0
Fair
Discover it® for Students Review

at Discover Card'ssecure website

NO/LIMITED CREDIT RATING
★★★★★
4.5
OVERALL RATING
4.5/5.0
  • Our Take: "The lack of fees, combined with great perks like cash back and free credit score tracking, make this credit card a solid deal for college students.
  • 5% cash back in categories that rotate quarterly, up to $1,500 per quarter when you sign up for the quarterly bonus
  • 1% cash back on all your other purchases with no limits
  • No annual fee
  • $20 cash back each year your GPA is 3.0 or higher (maximum 5 years)"
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
10.99% for 6 months
13.74% - 22.74% Variable
$0
Fair

+See More Cards for Limited Credit

The Right Credit Card for You is Out There

Credit cards are all but a necessity in today’s world, which can be a problem for those struggling with their credit. No matter your credit situation, however, there is likely a credit card designed to meet your needs. That credit card may be from Credit One Bank — or it may not. Either way, be sure to use your new card responsibly, including paying your bill in full each month, to improve your overall credit.