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Application Status Check Process Step by Step.
So, you finally applied for an American Express credit card. You're probably already daydreaming about the benefits you'll get, including elite airport lounges, dining perks, cashback, and a lot more. And maybe there's a smile on your face as you imagine the jealous looks from your friends when you casually pull out your shiny Amex credit card at the next get-together. Damn, life feels great, doesn't it?
But what if days go by, and you hear nothing—no email, no SMS, and no credit card in sight? A tonne of questions start racing through your mind. "Has my Amex application been approved? Should I check my spam folder for an approval email? Is my American Express card already on its way?"
If this sounds like you, then just relax. Breathe! There's good news for you. Tracking your American Express credit card application status is super easy (at least easier than explaining to your relatives why you're still unmarried at 30).
Whether you're waiting for approval, want to check if your card has been dispatched, or are trying to figure out what went wrong with your Amex card application, this article has got you covered.
Let's start by understanding how to check the status of an American Express card and what each status update really means.
Ways to Check Your Amex Credit Card Application Status
American Express provides multiple hassle-free ways to track your Amex credit card status, so you don't have to be like ACP Pradyuman, saying, 'Kuch to gadbad hai Daya'.
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Online tracking: If you want to get real-time updates on your Amex card application status, this method is the most suitable one for you. It's quick and easy, and there's no need to wait on hold for hours before a customer care executive can check the status for you.
- Visit the official American Express application status check page.
- Enter your 14-digit 'App Ref Number' (which you would have received in your application confirmation email), or just enter your registered mobile number.
- Click on 'Submit', and bam! Your Amex card application status appears instantly.
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Call Amex customer care: If you're someone who prefers a human touch rather than going with digital mode for everything, American Express customer support is just a call away.
- Dial the American Express customer care number 1-800-419-2122 (toll-free).
- Provide basic details like your registered mobile number and application reference (the executive will need this 'App Ref Number' to check your credit card application status).
- Get the current status of your American Express credit card application.
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Track via email support: Too busy to call? You can just shoot an email to know your application status.
- Drop an email to Amex support (head-customerservicesindia@aexp.com) with your name, registered mobile number, and application number details.
- This method is good if you're not in a hurry, as you can probably expect a response within 48 to 72 hours.
So, these are the multiple ways to track your Amex credit card application status. No more refreshing your inbox like it's an IPL match scoreboard. Just check your Amex application status using any method you like. Just saying—if it's taking longer than expected, don't worry because good things (and great credit cards) take time.
Scroll down to check what things you need to keep handy for tracking your American Express credit card application.
Required Details for Checking Your Amex Credit Card Application Status
Before you track your American Express credit card status, keep these details ready:
- Reference number (sent via email after application submission)
- Registered mobile number
- Email ID (linked to your Amex application)
- PAN card number (for verification, if required in some cases)
Now, let's move ahead and understand what your Amex credit card application status actually means. We know that waiting to finally have your Amex credit card in hand can feel like streaming a nail-biting cricket match—with buffering.
Understanding Your Amex Application Status
Once you check your American Express credit card application status, you'll come across one of these updates, each holding a clue about where your application stands.
1. Approved: What to Expect Next?
This means—congratulations, it's time to party! Simply, your application has been approved, and your Amex card is on its way to your registered address.
Here's what to expect:
- Dispatch timeline: Your Amex card will usually be dispatched within 5-10 working days after the approval.
- Tracking Amex card delivery: Once shipped, you'll receive a tracking link via SMS/email. You can also use American Express card tracking to check the progress of your card's delivery.
- Activation process: Once your Amex card arrives, activate it via the Amex app or customer service to start enjoying its perks.
The moment you hold your Amex credit card in your hand, you might instantly feel like an Ambani (but don't forget—paisa hi paisa hoga, par sab credit pe hoga, and credit is a sort of debt, so spend wisely).
2. Pending: What Does it Mean & How to Follow Up?
If your Amex credit card application status is still shown as 'Pending' or 'On Hold', don't panic—it's just under review. And there could be any number of reasons behind it, including:
- Additional verification required: Amex might be double-checking your documents.
- High volume of applications: Due to high demand, the processing time may take longer than expected.
- Address or document discrepancies: If details don't match official records, Amex may need further clarification before approving your application.
What can you do now?
- Just wait for 5-7 working days before following up
- If the status is still marked as 'Pending', contact Amex customer care for an update or to confirm if any problem has occurred
3. Rejected: Possible Reasons and Next Steps
We know rejections can be disappointing, but understanding the 'why' behind them can help you reapply after clearing all the roadblocks. Maybe it's not you but them. Here are some common reasons:
- Low credit score: A score below 670 might hurt your approval chances.
- Insufficient income: If you don't meet Amex's income criteria.
- Unstable employment history: If you're not getting a salary consistently or might have switched jobs frequently.
- Incomplete application form: You may have checked twice or thrice before clicking on 'Submit', but there are chances that you missed something or entered incorrect data in your application form.
- Existing credit utilisation is high: If you're maxing out the credit limit of other credit cards that you already have, Amex might hesitate with your application.
What can you do next?
- Check your CIBIL score and try to improve it before reapplying
- Apply for a different Amex card with a lower income requirement
- It's recommended to wait for 3-6 months before reapplying for a credit card, even though your financials have improved
Taking these steps can increase your chances of approval and help you secure a better credit card.
The suspense of waiting or not knowing your American Express credit card status can be stressful. But now that you know how to track, understand, and take action like a pro, you're in control. So, whether your card is on its way or still under review, you don't need to guess anymore. Just go ahead, check your Amex card application status, and enjoy the exclusive benefits of being an American Express cardholder (once you get the card).
Getting your credit card application approved is not the first step, though. The first thing you need to do is figure out which credit card is the "perfect" one for you.
A credit card should offer the best rewards, high cashback, and VIP benefits that match your lifestyle. Earning a lakh per month or more is great, but the right card ensures you get the most out of every transaction. Instead of settling, Finology Select helps you compare and switch to the best credit card from 90+ options.
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