Credit cards have become part and parcel of people’s everyday lives. People’s expenses increase by the day. But, alongside, their spending capacity is also growing.
If you have already applied for a credit cards, you will likely be looking for the application status. A credit card application can, nowadays, be easily tracked and checked. In many cases, this can be accomplished by logging on to the issuing bank’s website.
But, alternate methods of checking credit card application status are also available. These are primarily offline methods, and the top among them include contacting the bank over their customer care number or visiting one of the bank’s branches.
In This Article, We Look At The Steps To Check The Credit Card Application Status.
Pre-Requisites For Checking Credit Card Application Status
The first and foremost way to check credit card application status is to do so online. The bank will request you to feed in some information at this time. So, the following details should be readily available.
- Registered mobile number, which will be the number that you mentioned in the credit card application
- The application number or the reference number that you received after submitting the application
- PAN
- Date of Birth
The Procedure For Checking The Credit Card Status
Procedures for checking the credit card status are variable and vary by issuers or banks. But, a few of the procedures followed stay more or less the same.
Online Steps For Checking Credit Card Status
By allowing you to check your credit card status online, issuers and banks make things convenient. The following steps need to be followed for the same. They’d be applicable in the case of most banks in India.
- Visit the official website of the bank. This will be the one where you initially submitted the credit card application.
- In all probability, there’ll be a button that says ‘check application status’ or ‘track application status’. This will be under the credit card tab.
- Before you submit the request, share the details for tracking the request.
- The website will provide your credit card status if all the required information has been entered.
Offline Steps For Checking The Status Of Credit Card Application
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Via Customer Care
By interacting with the bank’s customer care agent, you can come to know the status of your credit card application. The customer care agent will, first, request your reference or application number and then revert. The same information might be available over IVR. A few banks also maintain dedicated customer care numbers for credit cards.
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Personally Visiting A Branch
You can visit the bank’s branch closest to your home for information on your credit card application status. The information to be provided at the helpdesk is usually the registered mobile and application numbers.
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By Sms
In the case of a few of the banks, credit card application status can also be checked over SMS. But, for the same, you must send the SMS in the pre-defined format using the mobile number registered with the bank.
Results That You Are Likely To Get By Conducting The Credit Card Application Check
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In Process
This implies that either the bank is yet to process the credit card application or is currently doing the same. Herein, the bank will conduct an inquiry about your credit score.
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Dispatched
Dispatched status implies that the credit cards application is approved and the bank has already dispatched your credit cards. You should get the card within 3-4 days at the address submitted when filling up the credit card application.
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On-Hold
The top reason why credit card applications go on hold is that any of the essential documents may be missing. Sometimes, the bank may wait for your credit score from credit agencies such as CIBIL™. You can write to the bank or call the bank to get further clarification.
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Disapproved
If the bank has declined your credit cards application, this will be the status. This could be due to several reasons, like a poor credit score. At times, disapproval happens when you fail to meet the eligibility criteria. So, in such cases, you can call the bank and figure out what steps should be followed now.
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No Records
The most probable reason why such a status pops up is that you have failed to input the requested information correctly. So, one should cross-check if one has entered his phone number right and the credit card application number right. You may be required to reload the page to try again.
Ways to Check the Credit Card Status
Most financial institutions, banking and non-banking alike, make use of this collection of information and permit the cardholder to check the status of their credit card application. Users previously had to physically visit the bank and show the required documentation in order to check the status of an application. However, thanks to the bank’s digital transformation, one can use such technology to track the status of a credit card application.
Therefore, one need not waste excessive effort, time, or energy to physically contact their bank. Using these methods, you can quickly follow the credit card application.
Check status by visiting a branch
If the branch of the financial institution is conveniently close to you, you can visit it. To check the status, make sure you have your application’s information on hand. You should have a personal conversation with the salesperson when you arrive to the branch. The bank employees would immediately provide you an update on the status of your credit card if you used their technique. The majority of financial institution services and goods are developed with the interests of the consumer in mind.
Following the development of your application is one of the simplest ways to learn anything about your credit card. One can efficiently do business with technology thanks to its simplicity and security.
Use SMS to check the status
A user can receive an SMS updating them on the status of their credit card application if they sign up for SMS banking. You must track the status of your application as soon as you understand how to apply for a credit card. After handing out Green Cards, the vast majority of banking and financial institutions send SMS notifications to customers. You can get a lot of information on the courier or delivery person on that SMS. You can also get more information regarding the tracking number or airway bill number.
Through customer care, check the status.
If you don’t know how to use technology, you can ask a customer care representative from the financial institution for help. You can phone the institution to ask about the status and speak with a customer service agent. The agent could inquire about the reference number or application number in order to complete the identifying process. Your telephone number and date of birth are also required so that you may follow the status of your credit card application.
Using Net Banking to Check Status
We are independent because of technology. Use the financial websites to learn the status of your credit card application. You must visit the cut section of the website and enter the application number, PAN card number, and birthdate in order to find out the status of your application.
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