The Ultimate Guide to Credit Cards
Thursday, April 2, 2020

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
Updated: September 5, 2019
Advertiser Disclosure

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. If you’ve recently submitted an application, keep reading for how to check your Credit One application status.

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.

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 unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5
  • No annual fee
  • Chase is not an affiliate partner with CardRates and does not review editorial content on our site
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
16.49% - 25.24% Variable
$0
Good/Excellent
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. Enjoy new 5% categories each quarter!
  • 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 16.49 - 25.24%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • Chase is not an affiliate partner with CardRates and does not review editorial content on our site
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
0% Intro APR on Balance Transfers 15 months
16.49% - 25.24% Variable
$0
Good/Excellent
GOOD CREDIT RATING
★★★★★
5.0
OVERALL RATING
4.9/5.0
  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn unlimited 2X miles on every purchase, every day.
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 15+ leading travel loyalty programs
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.24% - 24.49% (Variable)
$0 intro for first year; $95 after that
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
★★★★★
4.8
OVERALL RATING
4.5/5.0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (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
26.99% (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
  • Keeping your account in good standing may help establish and/or improve your credit
  • 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
24.9%
$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.

Merrick Bank Double Your Line™ Platinum Visa® Credit Card Review

at the issuer'ssecure website

BAD CREDIT RATING
★★★★★
4.8
OVERALL RATING
4.1/5.0
  • See if you are Pre-Qualified in less than 60 seconds without harming your credit score.
  • Credit Line Range $550 - $1,250, Doubling to $1,100 - $2,500.
  • Double Your Line by making at least your minimum payment on time each month for the first 7 months your account is open. After you make your payments, the increase is automatic.
  • Get your updated FICO® Score each month.
  • $0 Fraud Liability protects you from unauthorized charges.
  • Online and mobile Account Access.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
20.95% - 29.20% Variable
$0-$70
See website for Details*
BAD CREDIT RATING
★★★★★
4.7
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
  • Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
  • Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
  • 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Limited, Bad
Fingerhut Credit Account Review

at Fingerhut'ssecure website

BAD CREDIT RATING
★★★★★
4.7
OVERALL RATING
4.0/5.0
  • Easy application! Get a credit decision in seconds.
  • Build your credit history – Fingerhut reports to all 3 major credit bureaus
  • Use your line of credit to shop thousands of items from great brands like Samsung, KitchenAid, and DeWalt
  • Not an access card
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See Issuers Website
$0
Poor 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
26.99% (Variable)
$0
Average, Fair, Limited
NO/LIMITED CREDIT RATING
★★★★★
4.5
OVERALL RATING
4.5/5.0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$39
Average, Fair, Limited
NO/LIMITED CREDIT RATING
★★★★
4.4
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
  • Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
  • Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
  • 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Limited, Bad

+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. But in the modern era, the range of credit cards is much more abundant than it has been in the past. From the top-ranking credit scores all the way to the lower tier scores, there is likely a credit card designed to meet your needs. If you happen to be in one of those lower tiers, you may just have to dig a little deeper to find the right card for you. 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.