Credit Card Application Status

Credit Card Application Status

Credit cards have made our life easy. Not only has it helped bid goodbye to the need to carry cash everywhere, but also helped transact at ease using borrowed funds. The credit card also offers benefits such as easy loans, instant cash, EMI advantage and so on. If you are yet to get a credit card for yourself, you should check out the different credit card variants offered by some of the most popular banks. Once you have matched the credit card features to your lifestyle and spending pattern, you can go ahead and simply apply for a credit card and enjoy its numerous benefits.

Once you have submitted your application, you have to wait for your card to arrive. However, during this waiting period, you could opt to track the application, which would give you an idea about your credit card application status.

Credit Card Status Types

From the time you submit the application for a new credit card till it is issued, there are multiple changes that 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 statuses.

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

2. Approved- An approved new card application status implies that the bank has approved your 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 bank will send you a letter 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 card and can be used to track the location of your credit card.

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 bank requesting for the necessary documents.

5. Disapproved- Disapproved or rejected status means that your application did not match the credit card eligibility parameters of the bank.

How to Track Credit Card Application Status Online?

You can check your credit card status online by using either of the following methods-

1. Check Credit Card Application Status on the Bank Website

2. Check Credit Card Application Status by Sending an Email

1. Check Credit Card Application Status on the Bank Website

If you are wondering ‘how do I check my credit card status using the bank website’, the process is simple and hassle-free. Though the documents required for tracking may vary from one bank website to another, it is usually one or a combination of the documents mentioned below-

• Application Number or ID

• Mobile Number

• PAN Card number

• Date of Birth

Once you have these details in place, you can proceed with the credit card online tracking by following the steps mentioned below-

• Visit the official website of the bank

• Under credit cards, go to the credit card tracking page

• Choose the details you would like to provide for verification of your request- Application ID, mobile number, PAN card number, or date of birth

• Enter the correct details

• Click on ‘Submit’

Once your details are validated, you would be able to view your credit card application status.

2. Check Credit Card Application Status by Sending an Email

Credit card application tracking can also be done by sending an email to the bank. To do so, you need to follow the steps mentioned below--

• Visit the official website of the bank

• Head to the email tab

• Open a new message box and write down your request for checking credit card application status

• You would need to mention your application ID, mobile number, PAN card number, or date of birth in the mail

• Verify and click submit

You will soon get a reply from the bank with details about your credit card status.

How to Check Credit Card Application Status Offline?

The credit card application tracking functionality is also available offline. If you do not have access to the internet you can opt for this method to check your credit card status. There are two ways in which you can check credit card application status offline-

1. Calling the customer care helpline of the bank

2. Visiting a nearby branch of the bank

1. Calling the customer care helpline of the bank

You can call the bank’s 24x7 customer care helpline 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.

2. Visiting a nearby branch of the bank

You can visit the nearest credit card bank branch and request a bank official to assist you with the credit card application status. Keep your application reference number, and other details handy as you will be asked to provide the same.

When Can Your Credit Card Application Get Rejected?

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 cause your credit card application to get 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 to Increase Your Chances of Getting a Credit Card Application Approved?

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 not being dependable enough

• Take a look at the minimum monthly income that the bank requires you to have 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