Credit Card Application Status

In the financial parameter, applying for a new credit card is similar to working towards a fitness goal. 

How? You prepare a fitness plan (application for credit card), start working out (documentation and verification for credit card), and then check in on your progress (application status).

Whether it's your first credit card or you're simply adding a new one to your wallet, it's essential to stay informed about the “applying to approved” process. Because, we understand that waiting for approval can feel long and stressful.

So, here's everything you need to know about how to track your credit card application status.

Table of Contents:

• Ways to Check Credit Card Application Status
• Common Status Terms and Their Meanings

Ways to Check Credit Card Application Status

Checking the status of your credit card application is simple and can be done through several methods. Whether you prefer online convenience or an offline presence, here’s how you can track your credit card application status:

1. Check Credit Card Application Status Online

• Online Portal: Visit the bank’s (your credit card issuer) website and enter your application reference number or registered mobile number and probably a security code or OTP for verification
• Mobile App: Most banks offer mobile apps where you can easily track your credit card application status. Just download the respective mobile banking app and enter the necessary details.

What do you need for a credit card application status check online?

• Application reference number of application ID
• Registered mobile number used while applying for the card
• PAN card for identity verification
• Date of birth (if required by the bank)

2. Check Credit Card Application Status Offline:

• Branch Visit: You can visit the nearest bank branch to get an update on your credit card application status
• Customer Support: Call the bank's customer service number. You may need to provide your application ID to get the latest update.
• Email/ SMS: Some banks send updates directly to your registered email address or mobile number. Just keep an eye on your inbox or SMS notifications for status updates.

Haven’t received any updates? You can send an email to the bank mentioning your application details and requesting your credit card status.

Common Status Terms and Their Meanings: Check Your Credit Card Application Status Easily

When checking your credit card application status, you might come across certain terms. Here's what they mean:

1. Application Received: This means the bank has received your application and is reviewing your details
2. In Process/Under Review: Your application is currently being assessed. This may involve necessary checks and verifying the documents you've submitted.
3. Dispatched: Your credit card has been approved and is on its way to your address
4. Rejected: Unfortunately, your application has not been approved. This could be due to various reasons like low credit scores or incomplete informatio.n
5. On Hold: It means that your credit card application has been placed on hold by the bank, probably because some required documents are missing.
6. No Records: This status may appear if you’ve provided incorrect details by any chance, like the wrong mobile number or application reference number

Checking your credit card application status is crucial for staying updated about the progress of your application. It helps you identify any issues or missing information as early as possible so that you can rectify it to ensure a smooth approval process. Checking your application status also gives you peace of mind as you can track when your card will be delivered to your doorstep. 

Stay proactive and updated throughout the process to avoid any missouts or delays and make the most of your "new" credit card benefits.