The Ultimate Guide to Credit Cards
Thursday, July 9, 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: June 4, 2020
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. In this article, we’ll take a look at how to check your status online and how to reach Credit One Bank via phone. We’ll also present some of our top choices for alternative credit cards that may suit your needs.

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, then a variable APR of 14.99 - 23.74%.
  • No annual fee
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% 15 Months
N/A
14.99%–23.74% 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 14.99 - 23.74%.
  • 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
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
14.99% - 23.74% Variable
$0
Good/Excellent
GOOD CREDIT RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99% - 22.99% Variable
$95
Good/Excellent

+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.

4

Capital One® QuicksilverOne® Cash Rewards Credit Card

This card is currently not available.

Fair Credit Rating
★★★★★
N/A
OVERALL RATING
N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A
5

Capital One® Platinum Credit Card

This card is currently not available.

Fair Credit Rating
★★★★★
N/A
OVERALL RATING
N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A
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.

Surge Mastercard® Review

at Celtic Bank'ssecure website

BAD CREDIT RATING
★★★★★
4.8
OVERALL RATING
4.1/5.0
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
See website for Details
N/A
25.90% - 29.99%
See website for Details
Bad, Poor Credit
Indigo® Unsecured Mastercard® - Prior Bankruptcy is Okay Review

at the issuer'ssecure website

BAD CREDIT RATING
★★★★★
4.7
OVERALL RATING
4.0/5.0
  • Pre-qualifying today will not affect your credit score
  • Less than perfect credit histories can qualify, even with prior bankruptcy!
  • Mobile friendly online access from anywhere
  • Fraud protection for stolen or lost cards
  • 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
NetSpend® Visa® Prepaid Card Review

at Netspend'ssecure website

BAD CREDIT RATING
★★★★★
4.6
OVERALL RATING
3.6/5.0
  • With Netspend Direct Deposit, you can get paid faster than a paper check.
  • No late fees or interest charges because this is not a credit card.
  • No Overdraft Fees on purchases using your card.
  • Use the NetSpend Mobile App to manage your account on the go and get text message or email alerts (Message & data rates may apply).
  • Card issued by MetaBank®, Member FDIC. Card may be used everywhere Visa Debit cards are accepted. Click "Get My Card " for full details.
  • See additional NetSpend® Prepaid Visa® details.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
Up-to $9.95 monthly
Not applicable

+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.

Surge Mastercard® Review

at Celtic Bank'ssecure website

NO/LIMITED CREDIT RATING
★★★★★
4.7
OVERALL RATING
4.1/5.0
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
See website for Details
N/A
25.90% - 29.99%
See website for Details
Bad, Poor Credit
Indigo® Unsecured Mastercard® - Prior Bankruptcy is Okay Review

at the issuer'ssecure website

NO/LIMITED CREDIT RATING
★★★★★
4.7
OVERALL RATING
4.0/5.0
  • Pre-qualifying today will not affect your credit score
  • Less than perfect credit histories can qualify, even with prior bankruptcy!
  • Mobile friendly online access from anywhere
  • Fraud protection for stolen or lost cards
  • 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
Milestone® Mastercard® - Less Than Perfect Credit Considered Review

at the issuer'ssecure website

NO/LIMITED CREDIT RATING
★★★★★
4.5
OVERALL RATING
3.9/5.0
  • Prequalify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Protection from fraud if your card is stolen
  • Account history is reported to the three major credit bureaus in the U.S.
  • *Dependent on credit worthiness
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.9%
$35 - $99
Bad, Poor Credit

+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.

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation from many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across the site (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.