Barclays Credit Card Application Status: (How to Check, Reconsideration) [2021]

Are you trying to check your Barclays credit card application status?

Well, you’re in luck as Barclays makes it easy to check your status with a simple application status checker.

In this article, I will show you how to check your Barclays credit card application status online or over the phone. Then I will give you some handy reconsideration tips that have worked for me when Barclays has denied me.

Interested in finding out the top travel credit cards for this month? Click here to check them out! 

How to check your Barclays credit card application status

You can check your application status by accessing Barclay’s application status checker or by calling Barclays customer support. I prefer checking online as it’s less cumbersome than calling.

Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings!

Check your Barclays credit card application status online

The type of credit card you are applying for will determine which application status checker you can choose to check your Barclays credit card application status. 

  • For personal Barclay credit cards: click here 
  • For business Barclay credit cards: click here

You won’t need an application number, but you will need the following to check the status:

  • Last name
  • Last four digits of your Social Security Number (SSN)
  • ZIP code
  • E-mail address

(Remember, it must match the information you gave during the application process.)

After filling the blanks with your information, you’ll be able to view the status of your credit card application.

You will only see the most recent credit card application status dating up to 90 days from the application submission. It’s not like Amex application status checker which allows you to look at all past applications.

You will see three messages when checking the status of your Barclays credit card.

  • Denied
  • Reviewing (pending)
  • Approved

Application status: “denied”

If your status says that you’re denied, then you’ll probably want to call the reconsideration line phone number found below. 

Reasons for your denial will usually be related to the number of inquiries, the number of new accounts, debt-to-income ratio, or not following the Barclays credit card rules.

Application status: “reviewing” or “pending”

If your application is being reviewed, then you may just need to wait a few days because Barclays is processing your app. Sometimes calling into the reconsideration line will expedite this but other times you must simply wait it out.

An application being reviewed will usually be because someone has to review your credit report and determine if you are too risky or not profitable.

Application status: “approved”

Congratulations, you have been approved! You won’t need to do anything else besides waiting up to 10 business days for your credit card to arrive at the billing address.

Check your Barclays credit card application status by phone

You can check your Barclays credit card application status via phone by calling the following numbers:

  • +1-877-523-0478
  • +1-888-232-0780

Stay on the line until you can say or select the option to “check on an application.” Make sure you have your information ready.

If you need, they can also direct you to a credit analyst for reconsideration.

What Barclays credit cards can I check my application status for?

You should be able to check your status for any Barclay personal or business credit card including:

  • AAdvantage® Aviator® Business Mastercard®
  • Diamond Resorts World Mastercard®
  • Choice Privileges® Visa Signature® Card
  • Carnival® World Mastercard®
  • Miles & More® World Elite Mastercard®
  • AAdvantage® Aviator® Red World Elite Mastercard®
  • Holland America Line Rewards Visa® Card
  • JetBlue Plus Card
  • Barnes & Noble Mastercard®
  • Hawaiian Airlines® Business Mastercard®
  • FRONTIER Airlines World Mastercard®
  • Hawaiian Airlines® World Elite Mastercard®
  • JetBlue Business Card
  • JetBlue Card
  • NFL Extra Points Credit Card
  • Priceline Rewards™ Visa® Card
  • Princess Cruises Rewards Visa® Card
  • RCI® Elite Rewards® Mastercard®
  • Uber Visa Card
  • Upromise® Mastercard®
  • Wyndham Rewards® Visa® Card

How long does approval take?

If your credit card approval is not instant, it could take up to 10 business days to process the application manually.

If you suspect things are lingering too long then check with the reconsideration line number below.

On another note, Barclays is known to make applications go into review. Don’t worry too much if your application is being reviewed as it’s common with people that have high or low credit scores.

How long does it take to receive a Barclays credit card?

Barclays claims you will receive your credit card within 10 business days of your application being approved. At the time of approval, Barclays will also quote the number of days it will take for you to receive your card, usually up to 10 business days. 

In my experience, it usually took no longer than seven business days to receive my new Barclays credit card. Barclays will expedite cards for a fee.

Can I check for credit limit increase approval?

Barclays doesn’t have a tool to check the status for your credit line increase online. 

So, the only way for you to check is to call Barclays and talk to a credit analyst. They will give you the status and might request more information from you or perhaps give you reasons why you were denied a credit line increase.

You can call a Barclays credit analyst for personal cards with this phone number:

  • +1-866-408-4064

For business cards:

  • +1-866-710-2688

Barclays credit card rules

Barclays has a few rules for new applicants restricting credit card sign-ups. These rules aren’t exclusive to Barclays as other bank issuers will also have rules.

No limit to the number of cards

Barclays doesn’t have a limit to the number of Barclays credit cards you hold. That means you can hold as many cards you want with Barclays, but only if you get approved. Still, it might be a good idea to keep it to a reasonable number. 

90 days for minimum spend

You have 90 days from when you applied for your Barclays card to meet your minimum spend. Therefore, you start counting the 90 days once you applied for the card, not when you received it.

Barclays doesn’t have any hard rules

Surprisingly, Barclays doesn’t have many hard rules across all their cards. While some claim they have rules regarding the number of cards you can apply within 24 months (6/24), Barclays doesn’t put anything in writing and doesn’t always enforce these rules. 

Some soft rules like waiting 6 months to apply for a new Barclays credit card are true for some people. Yet, there are data points out there showing how it’s not the same for every person.

Barclays actually focuses on the credit report more than anything else. So, if your score is not above 700, you will have a harder time getting a Barclays credit card approved.

Barclays credit card reconsideration line

If you’re not approved, or even having an application under review, you will want to call up a Barclays credit analyst. They will be able to review your application and give you feedback or request more information from you and perhaps get you approved for a credit card. 

Barclays reconsideration phone number and hours for personal cards

The phone number for personal card applications is:

  • +1-866-408-4064

You can also try:

  • +1-800-308-6008

And the operating hours:

  • 8am to 12am EST (midnight) seven days a week

Barclays reconsideration phone number and hours for business cards

The phone number for personal card applications is:

  • +1-866-710-2688

And the operating hours:

  • 8am to 8pm EST seven days a week

What to say in a reconsideration call

Handling a reconsideration call isn’t very difficult, but there are a few things you should consider.

The first is that you need to have a good reason for why you’re seeking a card.

Here are some excellent reasons for seeking new credit cards:

  • You need the credit card(s) to help segregate your expenses for some purpose (e.g., starting multiple businesses)
  • You’re switching or trying to build up a relationship with a specific airline like American Airlines (only works if you’re getting that particular co-branded card)
  • You don’t want to pay foreign transaction fees, or you are attracted to some other benefit (e.g., primary rental car insurance)
  • You prefer one interest rate (APR) over another (especially when dealing with balance transfers)
  • Prefer pin and chip over sign and chip
  • You want to utilize the benefits and gain awards by using the card for everyday spend (everyday spend shows profitability towards Barclays)

Generally, it’s not a good idea to tell the phone reps that you’re just going after a card because you think it has a “great sign-up bonus.” That will make you look like an unprofitable customer, or even worse, a “gamer” which any bank has come to despise.

Don’t be nervous when calling Barclays. The credit analysts have the power to change your application denial to an approval. Plus, if you are calm and cool and not trying to game the agent, they will be more willing to help you out.

Barclays credit pulls

Barclays is known to pull from the TransUnion credit bureau.

This is great as TransUnion is pulled from the least compared to the other credit bureaus, so you can give your credit report a rest in many cases. 

If you got denied by Barclays, you would still have a hard pull on your credit report. Hard pulls will stay on your credit report for two years but should lose their effect for FICO scores after one year. 

Barclays referrals

While Barclays doesn’t have an official refer-a-friend program like Amex, it does sometimes target current cardholders giving targeted cardholders referrals to hand out.

Unfortunately, the targeted referrals from Barclays aren’t frequent and come in waves lasting a limited amount of time. So, if you can take advantage of referring someone to get some kickback, you should do it and call yourself lucky.

Final word

Don’t be worried if your application is pending as Barclays is known to take their time to review applications. If you did end up getting denied, call that retention line as those credit analysts do have the power to approve you.

I hope you found this article helpful. Remember we aren’t Barclays, so we cannot guarantee anything, but if you have any questions, drop them down in the comments below.

This article was originally published by Steve Smith.

Chase Credit Card Application Status: (How to Check, 30 Days, 7-10 Days) [2021]

Are you trying to find out how to check your Chase credit card application status? Or did you receive a message stating that your application is “under review” and that you will hear back in 30 days, 7 to 10 days, or even two weeks?

This article will show you exactly how to check your Chase credit card application status in three easy ways.

And it will also show you what each of these “under review” messages mean like the 30 day, 7-10 day, and 2 week messages and what you should do after you receive one of these.

I’ll also give you some much needed information that can help you overturn a denied application via the Chase reconsideration line.

Interested in finding out the top travel credit cards for this month? Click here to check them out! 

How to check your Chase credit card application status

The automated phone number to check your Chase credit card application status is: 1-888-338-2586.

If that doesn’t work, older numbers might work:

  • 1-800-432-3117 and 1–800-436-7927 for personal cards
  • 1-800-453-9719 for Chase business cards. 

You should be prompted to input your social security number, and then you’ll simply wait to hear the status of your credit card application.

Be aware that sometimes you might be taken directly to an agent. If you don’t want to talk to a live person then just hang up the phone and there should be no harm. However, if you do want to talk to them then you need to read more about Chase reconsideration (which I talk about below).

Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings!

Can I check my credit card application status online?

Yes, you can check your application status online but only if you have an account with Chase — if you’re a new customer, you’ll just have to settle with calling the automated phone number above.

For a while, Chase didn’t have the ability for you to check your status online but now it’s very easy. I will break down the steps below.

Step one

Log-in to your Chase account.

Step two

Once you are logged in, click on the three bars on the top left side of the screen.

Step three

You will now see a side bar menu and there will be an option for you to select “Application status.” Look for the option at the bottom of the menu.

Once you click on that, you will be taken to the “My Applications” page and you should see all active applications there.

If you are still using the old Chase interface, follow the instructions below.

Log-in to your account and then go to the “Customer Center.” On the right side of the screen you should see a section called “Open a New Account” and underneath that a link you can click that says “Check my application(s) status.”

Click on that and you should be able to view your recent credit card applications which could include:

How to check your Chase credit card application status online.

Secured message

Some people prefer to check their application status via a secured message. If you want to do this, then log-in and go to the “Contact Us” and click on “Send us a message” using the Secure Message Center.

This will be the slowest method to get your answer, though. So I would prefer to go with calling in or just checking online.

Chase application status for loans

Note that there are different phone numbers that you can call to check on the status of your applications for other loans like mortgages and auto loans.

These numbers can be found below.

Auto loan – Purchase New or Used Car1-866-804-6781
Auto loan – Refinance1-866-481-4254
Home equity1-888-e4CHASE (1-888-342-4273)
Mortgage1-866-524-9593

What does your Chase credit card application status mean?

Chase is known for sending out different types of messages when you apply for one of their credit cards and don’t get automatically approved. These messages can give you an indication on whether or not you can expect to be approved.

30 day message

One of the most common messages to get after you are not automatically approved for a Chase credit card is the 30 day message.

If you receive this message all it means is that your application is being processed.

Sometimes it means that the computers are just back-logged and for whatever reason can’t spit you out an automatic approval. Other times it means that your application will likely be reviewed by an actual person (manual review). 

At this point, you can just sit back and wait a few business days or usually at most a couple of weeks for Chase to get back to you. Or, you can be more proactive and you can consider calling into the reconsideration phone line but you may want to just hold off (more on that below).

The Chase 30 Day Message.

Two week message

If the automatic status checker changes and tells you that you’ll be notified in two weeks, then you should be very happy because this message almost always means that you will be approved!

So I would recommend that you just be patient and await your approval email (assuming that it is coming) but you could also call in from time to time to check on it until you hear the official word.

Eventually, you will hopefully receive a message like the one below!

Chase reconsideration line tips
Chase approval message.

7 to 10 day message

If the automatic status checker changes and tells you that you’ll be notified in 7 to 10 days, I’ve got some bad news….

This message often means that you will be denied.

There are some situations where people receive the 7 to 10 day message and all they had to do was call in to verify some sort of personal information. For example, there could have been a discrepancy with the address they put on their credit card application versus the address that showed up on the credit report.

Or, Chase just might want to make sure that it was actually you who applied for the credit card. In that case, you might just have to answer a couple of easy security questions. For example, you might have to verify your old address or a car that you once owned. 

So if you receive this message there still is some hope that you might get approved but for the most part you should expect a rejection to come.

At this point, you may want to go ahead and call into the Chase reconsideration line at: 1-888-270-2127.

Chase credit card application rules

Chase has some very specific credit card application rules that you want to make sure that you are following.Two of the most popular rules are the 5/24 rule and 2/30 rule.

Hopefully, you already had an idea about these rules before you ever applied and you made sure that you were not violating any of these rules.

However, if you just applied and were not automatically approved then you should read up on these rules and you might be able to find out why you were not approved.

If you are in violation of these rules, you stand a very, very small chance of getting approved and you should probably just expect to be denied.

But, if you were not in violation of any of these rules, and you were not automatically approved then you should probably look into calling into Chase reconsideration.

Chase reconsideration line

The Chase reconsideration line is your opportunity to plead your case and try to convince Chase to approve your credit card applications and even overturn rejections.

The goal here is to show Chase that you had a legitimate need or desire to open up a new Chase card or multiple cards so that they will reverse their decision and approve you for a card.

The Chase reconsideration line phone number is 1-888-270-2127.

The Chase reconsideration hours of operation are usually:

  • 7am to 10pm EST Monday through Friday
  • 8am to 1 pm EST Saturday
  • 9am to 9pm EST on Sunday

How to handle a reconsideration call

There are some things that you don’t want to say in a phone call like this and then there are some things that you do want to say.

For example, you don’t want to tell Chase that the primary reason you are chasing a credit card is the amazing 50,000 point sign-up bonus. That makes you sound like an unprofitable customer (or even worse a “gamer”) and you are going to have an uphill battle to get approved once that happens.

But if you have a more legitimate reason for needing cards such as the need to segregate your expenses then Chase will likely be more onboard with your reasons for getting the card.

I suggest that you check out my article on the Chase reconsideration line and it will break down everything that you should say (and should not say) in a reconsideration phone call.

Chase business reconsideration line

Lastly, if you have applied for a Chase business credit card then there will be additional questions that you need to be prepared for in the reconsideration call.

These reconsideration calls for business credit cards are usually more intense and can be a little bit more stressful to get through.

So I highly suggest that you check out my article on Chase business reconsideration calls —  it will walk you through everything you need to know to prepare for a business recon Phone call.

FAQ

How can I check my Chase credit card application status via phone?

The automated phone number to check your Chase credit card application status is: 1-888-338-2586.

Can I check my Chase credit card application status online?

Yes, you can check your application status online but only if you have an account with Chase.

What does the 30 day message mean?

If you receive this message it most likely means that your application is being processed.

What does the two week message mean?

The two week message usually means you will be approved.

What does the 7 to 10 day message mean?

This message often means that you will be denied (but not always).

Final word

Checking your application status with Chase is a little tricky because of all of the different types of messages that you can receive when your application is not automatically approved. But, once you understand what each of these messages mean it is actually pretty easy to get a sense of what to expect when it comes to your approval.

Amex Credit Card Application Status: (How to Check, Reconsideration) [2021]

Offers contained within this article maybe expired.

Are you trying to check your Amex credit card application status? 

Luckily, Amex makes it very easy to check your status.

This article will show you how to check your status online or over the phone.

I’ll also show you some tips if your credit card application is denied that might allow you get it changed to approved when calling into the reconsideration line. 

Interested in finding out the top travel credit cards for this month? Click here to check them out! 

How to check your Amex credit card application status

You can check your application status online or you can do it over the phone. I personally recommend that you do it online because that’s going to be the quickest and easiest route for many.

Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings!

Check your Amex application status online

You can check your credit card application status here. (You can also check on the status of loans as well).

Simply do the following:

  • Enter your (full) social security number (SSN)
  • Enter your home zip code (the one you used on the application)
  • Click “Check Application”

Be sure to only include digits when entering your social and ZIP Code.

Once you input your personal information, you’ll be able to view the status of your credit card application.

You should also see the status of prior credit card applications as well (both personal and business credit cards should show up).

As you can see, mine show “Approved” below but other messages you might see are:

  • Denied
  • In Progress
  • Cancelled 

Application status: “Denied”

If your status says that you’ve been denied then you’ll probably want to call the reconsideration line phone number found below. Keep reading for more tips on that.

Application status: “In Progress”

If your application is in progress you may just need to wait a few days because Amex is processing your app. Sometimes calling in to the reconsideration line will expedite this but other times you must simply wait it out.

Application status: “Cancelled”

If you see that it’s been cancelled you should call Amex immediately to inquire about what happened (there could have been some sort of verification issue).

For all of these, you don’t want to wait too long to act because if you wait longer than say, 30 days, your application may no longer be considered active and you might have to reapply for a card.

Check your Amex application status by phone

You can also check your American Express application status via phone.

You can try the following phone numbers:

  • 1-866-314-0237
  • 800-567-1083 

You’ll probably be asked to enter the last four digits of your SSN and zip code when you call.

Related: What Does Amex’s “Member Since” Date Really Mean?

What Amex cards can I check my application status for?

You should be able to check your status for any personal credit card or business credit card including:

  • Platinum Card from American Express
  • Amex Gold Card
  • Amex Green Card
  • Blue Business Plus Credit Card
  • Blue Cash Preferred® from American Express
  • Blue Cash Everyday® from American Express
  • Blue Delta SkyMiles® Credit Card
  • Business Green Rewards Card
  • Gold Delta SkyMiles® Credit Card
  • Platinum Delta SkyMiles® Credit Card
  • Delta Reserve® Credit Card from American Express
  • Delta Reserve® for Business Credit Card from American Express
  • Hilton Honors American Express Card
  • Hilton Honors American Express Surpass Card
  • Hilton Honors American Express Aspire Card
  • Amex EveryDay® Card
  • Amex EveryDay® Preferred Card
  • The Business Gold Rewards Card
  • The Plum Card®
  • Gold Delta Skymiles® Business Credit Card
  • Platinum Delta Skymiles® Business Credit Card
  • The Business Platinum Card®
  • Lowe’s Business Rewards Card from American Express
  • SimplyCash® Plus Business Credit Card

Related: American Express Travel Notifications Guide: Are They Needed? 

How long does approval take?

If your credit card approval is not instant it could take a couple of days for your application to process. In my personal experience, I’ve never had to wait longer than a handful of business days.

If you suspect things are lingering too long then check with the reconsideration line number below.

How long does it take to receive an Amex card?

You should receive your card within 7 to 10 day business days. However, for some cards like the Platinum Card Amex will allow you to receive it with expedited shipping so the delivery time could be much quicker.

Once you are approved, you should immediately request expedited shipping or else it might be too late. 

Can I check for credit limit increase approval?

Note that the above website is not where you you’ll see the status of a credit limit increase request or a balance transfer.

If you have requested either a line of credit increase or a balance transfer on an existing American Express card account, call the number on the back of your card regarding the status of those requests.

However, if you requested a balance transfer for your new credit card, you should be see a link taking you to a screen where you can check on that.

It will state:

If you requested a balance transfer to this card, click here to view the status of that transfer

You’ll then be taken to a new screen where you might have to verify your date of birth to proceed.

Amex credit card rules

Amex, like many other major credit card issuers, has a few specific rules you need to take into consideration when applying for their credit cards. By the way, if you find all of these credit card rules a little complex and confusing, be sure to check out the free app WalletFlo that will automate the calculations for all of these.

The Amex 2/90 day rule

The Amex 2/90 rule does not allow for you to be approved for more than two credit cards within any 90 day period.

Remember, this rule applies to credit cards, not charge cards.

Some applicants are lucky enough to get around this rule and get 3 credit cards in 90 days, but generally they are the exception to the rule.

Things are different when it comes to charge cards, though.

There is no strict limitation on charge cards. However, I would limit charge card applications to about 2 per 90 day period just to be on the safe side.

One credit card application per day

American Express application rules typically (though not always) limits you to one Amex credit card approval per 5 business days.

Again, this does not apply to charge cards but only credit cards. Also, some people have been able to get around this rule in the past.

Five Amex credit cards total

American Express used to limit consumer to four total credit cards but now they allow usually allow you to hold five credit cards at a maximum.

Once again, this rule does not apply to charge cards and there are people who have found ways to get around this rule.

Bonuses are once per lifetime

One of the most important American Express application rules to know about is the once per lifetime bonus rule.

This means that once you open up a specific card, you can never earn the bonus for that card ever again even if you cancel your card and reapply.

There’s no distinction between charge cards and credit cards with this rule, either.

Crack down on gaming

American Express has cracked down on gaming and has decided to start denying welcome bonuses to those who they believe are trying to game the system.

Now, Amex will tell you if you are not eligible for a welcome offer before they ever run your credit.

For more on these rules, I suggest that you read my primer on applying for American Express credit cards.

Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings!

Amex credit card reconsideration line

If you’re not approved for your credit card then you’ll probably want to call up to the Amex reconsideration line. This phone line gives you the chance to plead your case and show why you should be approved for a card.

Amex reconsideration phone number and hours

Here are the phone numbers and hours for the Amex reconsideration line.

  • For new customers: 877-399-3083
  • For current customers: 866-314-0237

Here are the hours of operation:

  • Monday to Friday: 8am to 12am
  • Saturday: 10am to 6:30pm
  • Sunday: Closed

What to say in a reconsideration call

Handling a reconsideration call isn’t very difficult but there are a few things you should consider.

The first is that you need to have a good reason for why you’re seeking a card.

Here are some good reasons for seeking new credit cards:

  • You need the credit card(s) to help segregate your expenses for some reason (e.g., starting multiple businesses)
  • You’re switching or trying to build up a relationship with a certain airline like Delta
  • You don’t want to pay foreign transaction fees or you are attracted to some other benefit (e.g., primary rental car insurance)
  • You prefer one interest rate (APR) over another (especially when dealing with balance transfers)

Generally, it’s not a good idea to tell the phone reps that you’re just going after a card because you think it has a great sign-up bonus. That will make you look like an unprofitable customer, or even worse, a “gamer” which Amex has come to despise.

Amex credit pulls

American Express is known to pull from the credit bureau Experian.

But one cool thing about Amex is that they don’t always perform a hard pull on your credit card application.

If you’re a current customer then Amex will often only perform a soft-pull if they reject your credit card application. And sometimes Amex will even perform a soft pull when they approve your application.

I don’t think anybody knows exactly how to predict which type of credit pull will be done by Amex but it’s good to be aware of these.

There also might be some link between soft pulls and applying for Amex pre-qualified credit card offers.

Amex Refer a Friend

Amex has a program called Amex Refer a Friend which allows you to send your referral application links to friends and family and if they are approved then you’ll get a nice cut of points or miles.

There is no way to check on the approval status of other people who have used your links though, so you’ll often have to personally verify that they used your link and were accepted. You can read more about the Amex Refer a Friend program here.

Final word

American Express makes it very easy to check on the status of your credit card and loan applications. It’s a good idea to review all of the different Amex application rules so that you have a good idea of what to expect when it comes to the outcome of your credit card application.