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Credit Cards

How to Check Your Bank of America Credit Card Application Status

Updated Mar 10, 2023   |   3 mins read

You’ve applied for a Bank of America credit card and now can’t wait to hear whether your application has been accepted. If you’re anxious to find out whether your status has been given the green light, you can be a little more proactive about it instead of sitting at your house waiting for a notification.

If you want to check the application status of your credit card with Bank of America, we’ll help you learn how to do it. The answer to your question is just a little work away.

How to Check a Bank of America Credit Card Application Status

Keep in mind that not all Bank of America credit card applications will result in instant approval. That can be true whether you’re applying for the card through the mail, online, or even occasionally on the phone. It can take up to 10 days before you hear whether you were accepted or not.

That can be hard to take when you already have plans for that card – if you have an upcoming trip and don’t want to take a ton of cash with you, for instance.

If you want to check the status of your credit card application and can’t wait one more minute, you can call Bank of America at (800) 432-1000. However, if you have shaky credit and you’re secretly worried your application won’t be accepted, you might not want the embarrassment of being turned down on the phone by some anonymous customer service representative.

If that’s the case, you can check your application status online by using a quick form. The form will ask for your last name, date of birth, the last four digits of your Social Security number, and your ZIP code.

Once you fill out that information, Bank of America will receive notice that you’ve inquired about your status. That won’t guarantee an instant answer, but it can’t hurt as an attempt to speed up the process. It also means that once a decision is made you’ll receive as fast of a confirmation or denial as possible.

If you are denied, it’s not the end of the world. You can try again at a later date by improving your credit score, paying off some of your other loan balances, or increasing your income, so a credit card company would be more comfortable issuing you a card. If you want a card immediately, you may have to do some searching to find one that caters to people with lower credit scores.

Summary

If you’re not a patient sort of person or you have an immediate need for your credit card, you might want to make an inquiry. If you’re really over a barrel and don’t mind being a bit of a pest, you can even call Bank of America every day until you get your answer.

But just because you haven’t heard anything about your application status doesn’t mean it’s a lost cause. Sometimes it can take a few days before the company can give you an answer, and there’s nothing wrong with that.