Credit card application next steps | NatWest - credit cards

Thanks for applying for a credit card with us

Here you can find additional information on what happens next, whatever your decision.

How did your application go?

My application was accepted

That’s great news!


You’ll receive your new credit card and PIN in the next 7-10 days. Both will be sent separately, and your PIN will likely arrive before your card does.


If you already bank with us, you will soon see your credit card alongside other accounts on online banking or the mobile app. There’s nothing else we need from you to make this happen.


When you receive your card, remember to register for our dedicated credit card online service. This puts you in control of your account, helping you to arrange direct debits, transfer a balance and view your statements.

I have been asked to provide more information

Sometimes we need a bit more information to confirm your identity or to validate your income. You may receive an email and/or text message shortly inviting you to provide this information electronically by uploading it safely and securely via our Digi-Docs online portal.


Alternatively, we’ll also post the request for further documentation. Once received, you can take the requested documents to a NatWest branch or return the documentation in the prepaid envelope provided.

My application was declined

When coming to our decision, we use a process called credit scoring, as well as taking into account any current information that is available to us.


We understand it can be disappointing when an application is declined. To help you understand why we decline some applications, please consider reading our guide to borrowing and credit scoring. This may also assist you when making future credit applications.

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How did we do?

We’re passionate about making sure you receive great customer service, and your feedback helps us to continually improve the service we give.

We’d be grateful if you could take a few minutes to complete our short survey about your experience today.

Take the survey

We're here to help

If you have any questions about the application process, you can browse FAQs in Support Centre or take a look through our Guide to Credit Scoring.

Support centre

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