The credit card application process - from submitting your application to card approval and dispatch - can take up to 7 working days. During this period, you can track the application with the help of your application reference number and your registered mobile number.
Tracking the status of your credit card online helps you understand the current stage of your credit card application. You can opt to track your credit card application status either online or offline.
You can check your credit card application status both online and offline. Some of the online methods include checking the status via email or net banking. However, if you prefer the offline route, you can check the status of your credit card application by visiting the nearest branch.
Alternatively, you may contact the customer care team of the credit card issuer and track the status. Keep all the essential details handy, especially your application reference number, when you contact the representative.
Here is a detailed analysis of a few online and offline ways through which you can check the application status of your credit card.
You can try the following ways to check your credit card application status offline.
Calling the Card Provider’s Customer Care Helpline
You can call the credit card customer care number of the card issuer and request the executive to help you track the status. After verification, the executive will update you with the latest credit card status.
Visiting a Nearby Branch of the Card Provider
You can visit the nearest branch of the credit card issuer and request one of their officials to help you track the card status. Keep your application reference number and other details handy.
By SMS
Some financial institutions also provide an SMS banking facility using which you can track your credit card application status. Simply type the specific keyword for tracking credit cards and send the message to the SMS banking number.
About Credit Cards Services
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FAQs on the Credit Card Application Status
How will I know if my credit card application has been approved/rejected?
You will get to know about your credit card application status by tracking it online or offline. You can either check its status on the financial institution’s website, by sending an email, or by calling the financial institution’s customer care helpline.
You may also visit a nearby branch to get the status.
What is an Air Waybill number?
This Air Waybill (AWB) number is related to the shipment, which is carrying your card, and can be used to track its last-known location.
If your credit card has been dispatched, the bank will send you a letter or mail regarding the dispatch and mention the Air Waybill (AWB) number and logistics provider as well.
How to increase credit card approval chances?
A good credit score is critical to increase your credit card application approval chances. So, ensure that you have a credit score of approximately 750 and above before you apply for a card.
Also, quit changing jobs too often as it creates the impression of instability. Remember to check the minimum monthly income parameter set by the credit card issuer before applying for a credit card.
Your employer needs to be on the financial institution’s list of approved employers, and you should be within the prescribed age limit to get a credit card quickly.
Moreover, if you wish to increase your chances of getting a credit card, your address should not appear on the defaulter’s list, and you must not own too many credit cards.
When can your credit card application get rejected?
The financial institution may or may not offer a reason for credit card rejection. However, some common reasons for rejection include a low credit score, unstable nature of employment, and insufficient income.
Moreover, employment in a private company that has been delisted, age not within the prescribed limit, residential address in the defaulter list, and ownership of multiple credit cards can also mar your chances of getting a credit card.
How long does it take to get approval after applying for a credit card?
The credit card approval process can take any time between 14 and 21 days after you submit the application form along with all the required documents.
What does it mean if my credit card application status says “No Records Found”?
You will see a ‘No Records Found’ message if the information entered, be it PAN, mobile number, application reference number, etc., is incorrect. Re-check and enter the correct details to view your credit card application status.
What do I need to do to avoid the credit card rejection?
To ensure your credit card application does not get rejected, you must maintain a healthy credit score of at least 750 before you apply for a credit card. You must also refrain from changing jobs very frequently since it can create a sense of employment instability.
Make sure that your monthly income is well above the specified limit for the credit card that you wish to apply for. Remember to pay all your debt obligations on time to ensure that you do not get classified as a defaulter.
Moreover, ensure that you satisfy all the other eligibility criteria specified by the financial institution so that your application does not get rejected.
I don't have the application reference number. How do I proceed?
You will need the application reference number for tracking your credit card application. If you don’t have it with you, you can quickly retrieve the reference number by authenticating yourself via an OTP sent to your registered mobile number.
However, only a few financial institutions offer this feature.
What can I do to activate my new credit card?
The process for credit card activation may vary depending on the issuing financial institution. Usually, you will be asked to visit an ATM of the issuing financial institution to activate the card.
That said, some card providers also allow you to activate your credit card by calling the toll-free customer care number or by logging into your credit card or net banking account.
Can housewives apply for a credit card?
Yes. Housewives can apply for a credit card as long as they satisfy the eligibility criteria set by the issuing financial institution. This means they need to meet the minimum income requirement as well. They also need to have a PAN card before applying for a credit card.
