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.
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.
You can check your credit card status online by using either of the following methods-
Check Credit Card Application Status on the Bank Website
Check Credit Card Application Status by Sending an Email
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.
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.
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-
Calling the customer care helpline of the bank
Visiting a nearby branch 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.
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.
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
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
You can track your credit card status online or offline using any of the below mentioned ways-
Check Credit Card Application Status on the Bank Website
Check Credit Card Application Status by Sending an Email
Calling the customer care helpline of the bank
Visiting a nearby branch of 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 Website
Check Credit Card Application Status by Sending an Email
Calling the customer care helpline of the bank
Visiting a nearby branch of the bank
If your credit card has been dispatched, 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.
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