{"id":192400,"date":"2022-01-03T19:00:00","date_gmt":"2022-01-04T00:00:00","guid":{"rendered":"https:\/\/milesopedia.com\/news\/application-new-card-declined-approved\/"},"modified":"2025-07-28T08:48:58","modified_gmt":"2025-07-28T12:48:58","slug":"application-new-card-declined-approved","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/guide\/tutorials\/application-new-card-declined-approved\/","title":{"rendered":"Applying for a new card: from &#8220;declined&#8221; to &#8220;approved&#8221;!"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text]<\/p>\n<p>You all know this: you fill in a card application and then click on &#8220;confirm&#8221;&#8230; Here are the different cases following the famous &#8220;confirm the request&#8221; click.<\/p>\n<p>\n<!--more-->\n<\/p>\n<h2>Status of a credit card application<\/h2>\n<p>There are two commonly known statuses for applying for a new credit card: approved or declined.<\/p>\n<p>However, two other intermediate statuses exist: <em>&#8220;soft declined<\/em>&#8221; and <em>&#8220;soft approved<\/em>&#8221; (the closest being &#8220;declined under conditions&#8221; and &#8220;approved under conditions&#8221;).<\/p>\n<h3>Approved credit card application<\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-19599 alignleft\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2019\/05\/approved-151676_960_720.jpg\" alt=\"approved 151676 960 720\" width=\"81\" height=\"81\"><\/p>\n<p>This is the ideal scenario. You fill out the application and less than 30 seconds later, the financial institution approves you immediately. In this case, you don&#8217;t have to do anything except wait for your new credit card to arrive.<\/p>\n<h3>Conditionally approved credit card application<\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-19600 alignleft\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2019\/05\/danger-39026_960_720.jpg\" alt=\"danger 39026 960 720\" width=\"81\" height=\"71\">Generally, you are on the right track: your file is missing some information so that the financial institution can definitively approve your application. For example, a missing apartment number or telephone number.<\/p>\n<h3>Credit card application declined<\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-19598 alignleft\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2019\/05\/abort-146072_960_720.jpg\" alt=\"abort 146072 960 720\" width=\"81\" height=\"81\">In this cas, it is a little more delicate. Your application was <strong>immediately declined<\/strong> by the financial institution. <strong>The computer algorithm made the decision<\/strong> after checking your credit report with Equifax or Transunion.<\/p>\n<p>Either you have made too many applications in the last few months, or you have not met your obligations (minimum payments, late payments)&#8230; To help you understand how your credit report is built, <a href=\"https:\/\/milesopedia.com\/actualites\/constituer-ameliorer-ou-reparer-son-dossier-de-credit\/\">check out this article<\/a>. Sometimes a missing apartment number, a recent move, a symbol or an accent in the form can make a big difference.<\/p>\n<p>[vc_message color=&#8221;info&#8221;]But be careful! Your credit card application may be declined&#8230; with conditions! And this is usually not indicated at the end of your application when you are denied. <strong>So you might end up being approved by a human<\/strong>! See the next paragraph.[\/vc_message]<\/p>\n<h3>Credit card application conditionally declined<\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-19601 alignleft\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2019\/05\/warning-146916_960_720.png\" alt=\"warning 146916 960 720\" width=\"80\" height=\"71\">In this case, it is no longer a question of computer algorithms. The decision will be made by a person on the phone. You will need to call the financial institution with your application number.<\/p>\n<p>You may be required to provide additional information: Social Insurance Number (SIN), last known address history, employer, salary&#8230;<\/p>\n<p><strong>And this is where a &#8220;declined&#8221; application can turn into an &#8220;approved&#8221; one<\/strong>!<\/p>\n<p>[vc_message color=&#8221;info&#8221;]For your information, this is very often the case with Scotiabank or TD Bank. If you are declined or conditionally approved: call the bank with your application number! [\/vc_message]<\/p>\n<h2>Examples of applications that have gone from &#8220;declined&#8221; to &#8220;approved&#8221;<\/h2>\n<p>As points &amp; miles hoarder, we have a good knowledge of how most financial institutions operate when it comes to approving credit cards applications. Here are some examples.<\/p>\n<h3>American Express<\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-12314 alignleft\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2019\/05\/amex-logo.jpg\" alt=\"amex logo\" width=\"103\" height=\"103\">Unlike all other institutions, American Express does not have a physical branch and does not offer the usual banking products (checking accounts, savings, mortgage products&#8230;). This means that American Express will rely entirely on the credit bureaus to grant or deny you a card.<\/p>\n<p>A problem can arise when you change your address, and that&#8217;s what happened to Audrey recently when she tried to apply for for the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-gold-rewards-card\/\">American Express Gold Rewards Card<\/a>.<\/p>\n<p>We were surprised it was not approved immediately and to see the following message:<\/p>\n<blockquote>\n<p>Your application is currently under review and will be processed within 10 days.<\/p>\n<\/blockquote>\n<p>I told her to call immediately rather than wait for a response from American Express. And we were right: our change of address several months ago had not been taken into account by the organization consulted by American Express (Transunion). So there was a difference between our current address and the old one. <strong>After verification, the request was accepted<\/strong>.<\/p>\n<p>The counselor explained to her that without a call from her, the application would have been denied.<\/p>\n<h3>Traditional banks: the example of Scotiabank<\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-12258 alignleft\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2019\/05\/scotia-1.jpg\" alt=\"scotia 1\" width=\"166\" height=\"41\">Scotiabank will check your credit report (and your relationship with the bank if you are an existing customer, as all banks do).<\/p>\n<p>Except that the query system is not the most efficient: if you make a mistake or enter your address &#8220;wrong&#8221; according to Scotia&#8217;s pre-established criteria (e.g. 123 Saint-Denis street #301 instead of 301-123 Saint-Denis street), your request will be declined under the pretext &#8220;<em><strong>insufficient credit history<\/strong><\/em>&#8220;.<\/p>\n<p>In fact, this is a conditional refusal or <em>&#8220;soft declined<\/em>&#8220;. Just call, and there is a good chance that your Scotia Credit card will be approved.<\/p>\n<p>That&#8217;s what happened to me when I applied for <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotiabank-gold-american-express-card\/\">the Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a>. The message <strong>&#8220;insufficient credit history<\/strong>&#8221; had gotten my attention&#8230;! Matthieu told me that he had the same problem with <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotia-momentum-visa-infinite-card\/\">the Scotia Momentum Visa Infinite credit card<\/a>.<\/p>\n<p>The advisor then explained to me that for some reason&#8230; <strong>requests made from certain computers were systematically &#8220;conditionally declined&#8221;<\/strong>. Indeed, if you make your request from your work (IP address of a work network) or a cell phone, your request may be automatically declined! In fact, according to the advisor:<\/p>\n<blockquote>\n<p>A person who is declined must call the bank with the application number<strong> within 60 days<\/strong> of the denial to get a chance to have the status of their application changed from &#8220;declined&#8221; to &#8220;approved&#8221;.<\/p>\n<\/blockquote>\n<p>In my case, <strong>my application was finally accepted<\/strong> after the traditional questions from the credit bureau.<\/p>\n<h2>Conclusion<\/h2>\n<p><strong>Therefore, we recommend that you always call<\/strong> as soon as you know that your application for a new credit card has been declined. The inquiry will have already been made to the credit bureaus, so you have nothing to lose! <strong>There is a good chance that your application will go from &#8220;declined&#8221;&#8230; to &#8220;approved&#8221;!<\/strong><\/p>\n<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='l'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--l container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22617\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>\n<div class=\"wpb_content_element wpb_miles_element\"><\/div>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text] You all know this: you fill in a card application and then click on &#8220;confirm&#8221;&#8230; Here are the different cases following the famous &#8220;confirm the request&#8221; click.<\/p>","protected":false},"author":3,"featured_media":441469,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[48139],"tags":[],"mc_loyalty_program":[],"class_list":["post-192400","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tutorials"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Applying for a new card: from &quot;declined&quot; to &quot;approved&quot;! | Milesopedia<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/application-new-card-declined-approved\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Applying for a new card: from &quot;declined&quot; to &quot;approved&quot;!\" \/>\n<meta property=\"og:description\" content=\"[vc_row][vc_column][vc_column_text] You all know this: you fill in a card application and then click on &#8220;confirm&#8221;&#8230; Here are the different cases following the famous &#8220;confirm the request&#8221; click.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/application-new-card-declined-approved\/\" \/>\n<meta property=\"og:site_name\" content=\"Milesopedia\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/milesopedia\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/milesopedia\" \/>\n<meta property=\"article:published_time\" content=\"2022-01-04T00:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-28T12:48:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2025\/04\/Cartes-Credit-1024x538-14.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"538\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Jean-Maximilien Voisine\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@milesopedia\" \/>\n<meta name=\"twitter:site\" content=\"@milesopedia\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/guide\\\/tutorials\\\/application-new-card-declined-approved\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/guide\\\/tutorials\\\/application-new-card-declined-approved\\\/\"},\"author\":{\"name\":\"Jean-Maximilien Voisine\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#\\\/schema\\\/person\\\/910fb721150b290316f16836cc905cad\"},\"headline\":\"Applying for a new card: from &#8220;declined&#8221; to &#8220;approved&#8221;!\",\"datePublished\":\"2022-01-04T00:00:00+00:00\",\"dateModified\":\"2025-07-28T12:48:58+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/guide\\\/tutorials\\\/application-new-card-declined-approved\\\/\"},\"wordCount\":949,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/guide\\\/tutorials\\\/application-new-card-declined-approved\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2025\\\/04\\\/Cartes-Credit-1024x538-14.jpg\",\"articleSection\":[\"Tutorials\"],\"inLanguage\":\"en-CA\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/milesopedia.com\\\/en\\\/guide\\\/tutorials\\\/application-new-card-declined-approved\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/guide\\\/tutorials\\\/application-new-card-declined-approved\\\/\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/guide\\\/tutorials\\\/application-new-card-declined-approved\\\/\",\"name\":\"Applying for a new card: from \\\"declined\\\" to \\\"approved\\\"! | Milesopedia\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/guide\\\/tutorials\\\/application-new-card-declined-approved\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/guide\\\/tutorials\\\/application-new-card-declined-approved\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2025\\\/04\\\/Cartes-Credit-1024x538-14.jpg\",\"datePublished\":\"2022-01-04T00:00:00+00:00\",\"dateModified\":\"2025-07-28T12:48:58+00:00\",\"inLanguage\":\"en-CA\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/milesopedia.com\\\/en\\\/guide\\\/tutorials\\\/application-new-card-declined-approved\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-CA\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/guide\\\/tutorials\\\/application-new-card-declined-approved\\\/#primaryimage\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2025\\\/04\\\/Cartes-Credit-1024x538-14.jpg\",\"contentUrl\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2025\\\/04\\\/Cartes-Credit-1024x538-14.jpg\",\"width\":1024,\"height\":538,\"caption\":\"Demande de carte de cr\u00e9dit\"},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/\",\"name\":\"Milesopedia\",\"description\":\"Programmes de fid\u00e9lit\u00e9 et cartes de cr\u00e9dit au Canada\",\"publisher\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-CA\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#organization\",\"name\":\"Milesopedia Canada\",\"alternateName\":\"Milesopedia\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-CA\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2023\\\/01\\\/MILESOPEDIA-logo-cmjn-black-V3@4x.png\",\"contentUrl\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2023\\\/01\\\/MILESOPEDIA-logo-cmjn-black-V3@4x.png\",\"width\":1600,\"height\":261,\"caption\":\"Milesopedia Canada\"},\"image\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/milesopedia\",\"https:\\\/\\\/x.com\\\/milesopedia\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/milesopedia\",\"https:\\\/\\\/www.tiktok.com\\\/@milesopedia\",\"https:\\\/\\\/www.youtube.com\\\/milesopedia\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#\\\/schema\\\/person\\\/910fb721150b290316f16836cc905cad\",\"name\":\"Jean-Maximilien Voisine\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-CA\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2024\\\/12\\\/Photo-Profil-rond-Jean-Maximilien-200x200.png\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2024\\\/12\\\/Photo-Profil-rond-Jean-Maximilien-200x200.png\",\"contentUrl\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2024\\\/12\\\/Photo-Profil-rond-Jean-Maximilien-200x200.png\",\"caption\":\"Jean-Maximilien Voisine\"},\"description\":\"Jean-Maximilien Voisine est le Pr\u00e9sident et Fondateur de Milesopedia, et l\u2019un des experts les plus reconnus en mati\u00e8re de programmes de r\u00e9compenses, de cartes de cr\u00e9dit et de voyage au Canada, en France et aux \u00c9tats-Unis. \u00c2g\u00e9 de 40 ans et p\u00e8re de deux enfants, il a explor\u00e9 plus de 100 pays, dont la moiti\u00e9 en famille avec sa conjointe Audrey. Sp\u00e9cialiste des programmes de fid\u00e9lit\u00e9 comme A\u00e9roplan, Points-Privil\u00e8ges d\u2019American Express et Marriott Bonvoy, Jean-Maximilien aide les voyageurs \u00e0 maximiser leurs avantages et \u00e0 transformer leurs points en exp\u00e9riences m\u00e9morables. Sa mission : permettre \u00e0 chacun de voyager mieux et plus intelligemment en Am\u00e9rique du Nord et en Europe.\",\"sameAs\":[\"https:\\\/\\\/milesopedia.com\",\"https:\\\/\\\/www.facebook.com\\\/milesopedia\",\"https:\\\/\\\/instagram.com\\\/milesopedia\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/milesopedia\",\"https:\\\/\\\/x.com\\\/milesopedia\",\"https:\\\/\\\/www.youtube.com\\\/milesopedia\"],\"knowsAbout\":[\"Credit Cards\"],\"knowsLanguage\":[\"English\",\"French\"],\"jobTitle\":\"Founding President\",\"worksFor\":\"Milesopedia\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/author\\\/jean-maximilien\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Applying for a new card: from \"declined\" to \"approved\"! | Milesopedia","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/milesopedia.com\/en\/guide\/tutorials\/application-new-card-declined-approved\/","og_locale":"en_US","og_type":"article","og_title":"Applying for a new card: from \"declined\" to \"approved\"!","og_description":"[vc_row][vc_column][vc_column_text] You all know this: you fill in a card application and then click on &#8220;confirm&#8221;&#8230; Here are the different cases following the famous &#8220;confirm the request&#8221; click.","og_url":"https:\/\/milesopedia.com\/en\/guide\/tutorials\/application-new-card-declined-approved\/","og_site_name":"Milesopedia","article_publisher":"https:\/\/www.facebook.com\/milesopedia","article_author":"https:\/\/www.facebook.com\/milesopedia","article_published_time":"2022-01-04T00:00:00+00:00","article_modified_time":"2025-07-28T12:48:58+00:00","og_image":[{"width":1024,"height":538,"url":"https:\/\/milesopedia.com\/wp-content\/uploads\/2025\/04\/Cartes-Credit-1024x538-14.jpg","type":"image\/jpeg"}],"author":"Jean-Maximilien Voisine","twitter_card":"summary_large_image","twitter_creator":"@milesopedia","twitter_site":"@milesopedia","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/milesopedia.com\/en\/guide\/tutorials\/application-new-card-declined-approved\/#article","isPartOf":{"@id":"https:\/\/milesopedia.com\/en\/guide\/tutorials\/application-new-card-declined-approved\/"},"author":{"name":"Jean-Maximilien Voisine","@id":"https:\/\/milesopedia.com\/en\/#\/schema\/person\/910fb721150b290316f16836cc905cad"},"headline":"Applying for a new card: from &#8220;declined&#8221; to &#8220;approved&#8221;!","datePublished":"2022-01-04T00:00:00+00:00","dateModified":"2025-07-28T12:48:58+00:00","mainEntityOfPage":{"@id":"https:\/\/milesopedia.com\/en\/guide\/tutorials\/application-new-card-declined-approved\/"},"wordCount":949,"commentCount":0,"publisher":{"@id":"https:\/\/milesopedia.com\/en\/#organization"},"image":{"@id":"https:\/\/milesopedia.com\/en\/guide\/tutorials\/application-new-card-declined-approved\/#primaryimage"},"thumbnailUrl":"https:\/\/milesopedia.com\/wp-content\/uploads\/2025\/04\/Cartes-Credit-1024x538-14.jpg","articleSection":["Tutorials"],"inLanguage":"en-CA","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/milesopedia.com\/en\/guide\/tutorials\/application-new-card-declined-approved\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/milesopedia.com\/en\/guide\/tutorials\/application-new-card-declined-approved\/","url":"https:\/\/milesopedia.com\/en\/guide\/tutorials\/application-new-card-declined-approved\/","name":"Applying for a new card: from \"declined\" to \"approved\"! | Milesopedia","isPartOf":{"@id":"https:\/\/milesopedia.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/milesopedia.com\/en\/guide\/tutorials\/application-new-card-declined-approved\/#primaryimage"},"image":{"@id":"https:\/\/milesopedia.com\/en\/guide\/tutorials\/application-new-card-declined-approved\/#primaryimage"},"thumbnailUrl":"https:\/\/milesopedia.com\/wp-content\/uploads\/2025\/04\/Cartes-Credit-1024x538-14.jpg","datePublished":"2022-01-04T00:00:00+00:00","dateModified":"2025-07-28T12:48:58+00:00","inLanguage":"en-CA","potentialAction":[{"@type":"ReadAction","target":["https:\/\/milesopedia.com\/en\/guide\/tutorials\/application-new-card-declined-approved\/"]}]},{"@type":"ImageObject","inLanguage":"en-CA","@id":"https:\/\/milesopedia.com\/en\/guide\/tutorials\/application-new-card-declined-approved\/#primaryimage","url":"https:\/\/milesopedia.com\/wp-content\/uploads\/2025\/04\/Cartes-Credit-1024x538-14.jpg","contentUrl":"https:\/\/milesopedia.com\/wp-content\/uploads\/2025\/04\/Cartes-Credit-1024x538-14.jpg","width":1024,"height":538,"caption":"Demande de carte de cr\u00e9dit"},{"@type":"WebSite","@id":"https:\/\/milesopedia.com\/en\/#website","url":"https:\/\/milesopedia.com\/en\/","name":"Milesopedia","description":"Programmes de fid\u00e9lit\u00e9 et cartes de cr\u00e9dit au Canada","publisher":{"@id":"https:\/\/milesopedia.com\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/milesopedia.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-CA"},{"@type":"Organization","@id":"https:\/\/milesopedia.com\/en\/#organization","name":"Milesopedia Canada","alternateName":"Milesopedia","url":"https:\/\/milesopedia.com\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-CA","@id":"https:\/\/milesopedia.com\/en\/#\/schema\/logo\/image\/","url":"https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/01\/MILESOPEDIA-logo-cmjn-black-V3@4x.png","contentUrl":"https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/01\/MILESOPEDIA-logo-cmjn-black-V3@4x.png","width":1600,"height":261,"caption":"Milesopedia Canada"},"image":{"@id":"https:\/\/milesopedia.com\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/milesopedia","https:\/\/x.com\/milesopedia","https:\/\/www.linkedin.com\/company\/milesopedia","https:\/\/www.tiktok.com\/@milesopedia","https:\/\/www.youtube.com\/milesopedia"]},{"@type":"Person","@id":"https:\/\/milesopedia.com\/en\/#\/schema\/person\/910fb721150b290316f16836cc905cad","name":"Jean-Maximilien Voisine","image":{"@type":"ImageObject","inLanguage":"en-CA","@id":"https:\/\/milesopedia.com\/wp-content\/uploads\/2024\/12\/Photo-Profil-rond-Jean-Maximilien-200x200.png","url":"https:\/\/milesopedia.com\/wp-content\/uploads\/2024\/12\/Photo-Profil-rond-Jean-Maximilien-200x200.png","contentUrl":"https:\/\/milesopedia.com\/wp-content\/uploads\/2024\/12\/Photo-Profil-rond-Jean-Maximilien-200x200.png","caption":"Jean-Maximilien Voisine"},"description":"Jean-Maximilien Voisine est le Pr\u00e9sident et Fondateur de Milesopedia, et l\u2019un des experts les plus reconnus en mati\u00e8re de programmes de r\u00e9compenses, de cartes de cr\u00e9dit et de voyage au Canada, en France et aux \u00c9tats-Unis. \u00c2g\u00e9 de 40 ans et p\u00e8re de deux enfants, il a explor\u00e9 plus de 100 pays, dont la moiti\u00e9 en famille avec sa conjointe Audrey. Sp\u00e9cialiste des programmes de fid\u00e9lit\u00e9 comme A\u00e9roplan, Points-Privil\u00e8ges d\u2019American Express et Marriott Bonvoy, Jean-Maximilien aide les voyageurs \u00e0 maximiser leurs avantages et \u00e0 transformer leurs points en exp\u00e9riences m\u00e9morables. Sa mission : permettre \u00e0 chacun de voyager mieux et plus intelligemment en Am\u00e9rique du Nord et en Europe.","sameAs":["https:\/\/milesopedia.com","https:\/\/www.facebook.com\/milesopedia","https:\/\/instagram.com\/milesopedia","https:\/\/www.linkedin.com\/company\/milesopedia","https:\/\/x.com\/milesopedia","https:\/\/www.youtube.com\/milesopedia"],"knowsAbout":["Credit Cards"],"knowsLanguage":["English","French"],"jobTitle":"Founding President","worksFor":"Milesopedia","url":"https:\/\/milesopedia.com\/en\/author\/jean-maximilien\/"}]}},"_links":{"self":[{"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/posts\/192400","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/comments?post=192400"}],"version-history":[{"count":1,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/posts\/192400\/revisions"}],"predecessor-version":[{"id":441471,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/posts\/192400\/revisions\/441471"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/media\/441469"}],"wp:attachment":[{"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/media?parent=192400"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/categories?post=192400"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/tags?post=192400"},{"taxonomy":"mc_loyalty_program","embeddable":true,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/mc_loyalty_program?post=192400"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}