The credit card application process - from submitting your application to card approval and dispatch - can take up to 14-21 working days. During this period, you could opt to track the application with the help of your application reference number and your registered mobile number. Tracking your credit card status helps you understand the current stage of your credit card application. You can opt to track your credit card application status either online via netbanking or email. You can also call the bank’s customer care or visit the branch to do a quick credit card status check.
Irrespective of whether you opt to track credit card application online or offline, you need to keep the following documents handy to ensure a smooth process:
Credit Card Application Reference Number/Application Form Number
PAN card
Aadhaar card
Age proof
There are various online as well as offline ways to do a credit card application status check. Let us understand them in detail:
The process of tracking your credit card status using the bank website is actually quite simple and hassle-free. Below listed are the basic steps:
Step 1: Visit the official website of the bank.
Step 2: Under the Credit Cards section, go to the ‘Credit Card Tracking’ page.
Step 3: Enter the details requested for verification, i.e. application ID, mobile number, PAN card number, or date of birth.
Step 4: Click on ‘Submit’.
Once your details are validated, you should be able to view your credit card application status.
Credit card application tracking can also be done by sending an email to the bank. To do so, you must follow the steps mentioned below:
Step 1: Visit the official website of the bank.
Step 2: Head to the ‘Contact Us’ tab.
Step 3: Open a new message box and write down your request for a credit card application status check.
Step 4: You would need to mention your application ID, mobile number, PAN card number, or date of birth in the mail for verification.
Step 5: Verify and click on ‘Submit’.
Alternatively, you can also send an email (with the relevant details) to the customer care email ID of the respective bank to process your request. You will soon get a reply from the bank with details about your credit card application status.
You can call the credit card customer care number of the bank and request the executive to help you track the credit card status. After verification, the executive will update you with the latest credit card status.
You can visit the nearest branch of the bank from which you have applied for a credit card and request a bank official to assist you with the credit card application status. Keep your application reference number and other details handy.
Some banks also provide an SMS banking facility via which you can track your credit card application status. All you must do is type the respective keyword for credit card tracking and send the message on the SMS banking number.
From the time you apply for a new credit card till it is issued, multiple changes take place in the status of the credit application. So, if you track your credit card application status, you will see it mapped to one of the below-mentioned milestones:
In-progress: If your credit card status check reveals an in-progress status, it implies that the bank hasn’t completed analysing your application yet.
Approved: An approved card application status implies that the bank has approved your credit card application and you will get your credit card soon.
Dispatched: If your credit card is en route to you after being approved and sent out, you will see the ‘dispatched’ credit card status. The bank will send you a letter/mail regarding the approval and would mention the Air Waybill number in the same. This Air Waybill number is related to the shipment which is carrying your credit card and can be used to track its last known location.
On-Hold: If more information is required for the evaluation, the on-hold status will be displayed. You will likely receive a call or a message from the bank requesting the necessary documents.
Disapproved: Disapproved or rejected status means that your application did not match the credit card eligibility parameters set by the bank.
You will get to know about your credit card application status by tracking it online or offline using any of the below-mentioned ways:
Check credit card application status on the bank’s website
Check credit card application status by sending an email
Call the bank’s customer care helpline
Visit a nearby branch
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.
To increase your credit card application approval chances, you can keep a few things in mind:
A good credit score is critical; so ensure that you have a credit score of approximately 750 and above before you apply for a card
Quit changing jobs too often and soon as it creates the impression of instability
Take a look at the minimum monthly income that the bank requires to apply for a credit card
Your employer should be on the bank’s list of approved employers
You should be within the age limit prescribed by the bank
Your address shouldn’t appear on the defaulter’s list
You must not own too many credit cards already
The bank may or may not offer a reason for credit card rejection. However, most often, it is one of the reasons mentioned below which leads to a credit card application getting rejected:
Low credit score
Unstable nature of employment
Insufficient income
Employment in a private company that has been delisted
Age not within the prescribed age limit
Residential address in the defaulter list
Ownership of multiple credit cards
Credit card application approval can take any time between 14 to 21 days post form submission along with all the required documents.
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.