My credit card application was referred. How long will it take?

You should get our decision within 24 hours. We’ll notify you via text message and email if you’ve given us your mobile number and email address. Check your spam or junk folder if you haven’t received our text or email within 24 hours.

If we need to do additional checks, it can sometimes take up to 30 days for us to make a decision. If we need further info, we’ll usually send you a text or give you a call between 9am and 5pm, Monday to Friday. So, it’s important to let us know if your contact details have changed since applying.

Related FAQs

I requested a new card, how long will it take to arrive?
If you've requested a replacement card it will take 7-10 working days to arrive. Don't forget to check the letter ...
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I’ve been accepted for a credit card. When will I get my card and PIN?
If you've received confirmation you've been accepted for a credit card, please allow 7-10 working days for this to be received in the post.
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If I change my mind, can I cancel my credit card application?
Yes, you can change your mind about your Vanquis Credit Card. If you do, you’ll have 15 days to cancel the card and withdraw from your credit agreement.
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