United Overseas Bank UOB Credit Card Application Status

United Overseas Bank UOB Credit Card Application Status, If you have applied for a credit card and haven’t received a response, here’s what you can do to speed up the process.

We’ll show you how to check your application status with major credit card companies in Singapore. This can be helpful if you’ve applied for a credit card and haven’t heard back from the credit card company or if you want to change your application details. We’ll also look at some key details on how the application process works so you know what to expect when you apply for a new card.

How long will it take for my application to be approved?

Although many credit card providers offer instant approval or conditional approval within 2-4 business days, some take between one to two weeks to review an application. If you’re an existing member of the bank, the process may be quicker as they already have some of your verified information. The general rule is to provide all of the required information when you apply, as this will speed up the process. It’s also a good idea to make sure you meet all eligibility requirements for the card before you apply.

What responses could I get when I apply for a credit card?

Most credit card providers aim to give you an instant response when you apply online. Here are some of the most common outcomes:

Instant approval

With instant online applications, credit card issuers can provide a response on your application status almost immediately. While lending criteria varies between providers and cards, common checks include identity verification and credit score checks. By providing all the required information and keeping a good credit history, you can look forward to instant approval.


If your credit card application is under referral, the card provider requires more time to carry out further assessments before giving you a conclusive answer.

Conditional approval

Getting conditional approval essentially means that the credit card provider is buying time to verify your details before granting approval. In such a scenario, you might have to provide personal identification documents or payslips by visiting a branch office or via fax. Complete approval only takes effect after that’s done and you’ve signed the contract.

Application not approved

The reason behind a provider not approving your application could be that you haven’t met the lending criteria. Such factors could include insufficient income, poor creditworthiness or credit history, and unstable employment. If you’ve been rejected, don’t apply for another card straight away. Instead, request a copy of your credit report to make sure everything’s in order or start comparing other cards to apply for in a few months, making sure you’re paying attention to the eligibility requirements.

Why is my credit card application taking so long?

If you expected to hear back about your application before now, here are some of the most common reasons your credit card application could be delayed:

  • Not enough information. If you haven’t given enough details on your application, or if the information is wrong or inconsistent, the provider may need to contact you to get the right information. This adds an extra step to the application process that can cause delays.
  • Credit issues. If you have black marks on your credit report, the provider may want to look at them in more detail before completing its assessment of your application.
  • High demand. Sometimes a credit card provider may get more applications than usual, which means it could take longer to get to yours – particularly if there is a very competitive introductory offer available.
  • Incomplete applications. If you have missed a step in the application process, such as submitting additional documents and information, then this will hold up the application until you have provided all the information that the bank requires.

You can usually sort out credit card application delays by calling the credit card provider to find out what’s going on. Also monitor your calls, inbox and mailbox in case the provider is trying to get in touch with you, but know that calling them first is always the quicker option.

What mistakes should I avoid when I’m waiting to hear about a credit card application?

Here are some things you should avoid while waiting to hear back about the status of your credit card application:

  • Making multiple applications. You may be tempted to apply for another credit card while you’re waiting for a response, but know that multiple simultaneous applications will have a negative impact on your credit file.
  • Credit report mistakes. If your credit card was rejected and you’re unsure why, make sure you’ve met the eligibility requirements and order a copy of your credit score to make sure you haven’t fallen victim to fraud or mistakes on your file. If you find a genuine error on the report, contact the credit card provider and credit reporting body to initiate investigation and correction.
  • Customer service delays. It could take days or weeks for a bank to respond to an email enquiry and you’re to expect wait times when you’re contacting the customer service phone line. Before you call, make sure the number you’re dialling is toll-free. If it isn’t, avoid calling early in the morning, at lunchtime or after 5 pm when they’re likely to be inundated with calls.

Applying for a credit card is one thing, but receiving it is quite another. You may have to wait a considerable period for it, which is why we recommend you apply in advance and always stay on top of your application by calling your provider.