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Credit Card Application Status

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 financial institution’s customer care or visit the branch to do a quick credit card status check.

Documents Required to Check Credit Card Application Status

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

How to Check Credit Card Application Status

There are various online as well as offline ways to do a credit card application status check. Let us understand them in detail:

1. Check Credit Card Application Status on Financial Institution’S Website

The process of tracking your credit card status using the financial institution’s website is actually quite simple and hassle-free. Listed below are the basic steps:

  • Step 1: Visit the official website of the financial institution.

  • 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.

2. Check Credit Card Application Status via e-mail

Credit card application tracking can also be done by sending an email to the credit card provider. To do so, you must follow the steps mentioned below:

  • Step 1: Visit the official website of the card company.

  • 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 card provider to process your request. You will soon get a reply from the card provider with details about your credit card application status.

3. Calling the Card Provider’s Customer Care Helpline

You can call the credit card customer care number of the card company 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.

4. Visiting a Nearby Branch of the Card Provider

You can visit the nearest branch of the financial institution from which you have applied for a credit card and request one of their officials to assist you with the credit card application status. Keep your application reference number and other details handy.

5. By SMS

Some financial institutions 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.

Types of Credit Card Status

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:

  1. In-progress: If your credit card status check reveals an in-progress status, it implies that the financial institution hasn’t completed analysing your application yet.

  2. Approved: An approved card application status implies that the card provider has approved your credit card application and you will get your credit card soon.

  3. 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 card provider 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.

  4. 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 financial institution requesting the necessary documents.

  5. Disapproved: Disapproved or rejected status means that your application did not match the credit card eligibility parameters set by the financial institution.

FAQs on 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 using any of the below-mentioned ways:

 

  • Check credit card application status on the financial institution’s website

 

  • Check credit card application status by sending an email

 

  • Call the financial institution’s customer care helpline

 

  • Visit a nearby branch

✔️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?

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 financial institution requires to apply for a credit card

 

  • Your employer should be on the financial institution’s list of approved employers

 

  • You should be within the age limit prescribed by the financial institution

 

  • Your address shouldn’t appear on the defaulter’s list

 

  • You must not own too many credit cards already

✔️When can your credit card application get rejected?

The financial institution 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

✔️How long after applying for a credit card do you get approved?

 Credit card application approval can take any time between 14 to 21 days post form submission 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 would it be advisable for me to do before the credit card application with the goal that it doesn't get rejected?

Your credit card application can get rejected due to a number of reasons. Here’s a quick look at a few things that you can do to prevent it from happening. 

 

  • Ensure that you possess a healthy credit score of at least 750 before you apply for a credit card.

  • 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 limit specified for the credit card that you wish to apply for. 

  • Pay all your debt obligations on time to ensure that you don’t get classified as a defaulter. 

  • Ensure that you satisfy all the other eligibility criteria specified by the financial institution. 

✔️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 internet 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 including the minimum income requirement.