AU Small Finance Bank Credit Card Application Status

Application Status Check Process Step by Step.

AU Bank Credit Card Application Status

Applying for a credit card with AU Small Finance Bank is an exciting step toward better financial management, whether you're looking for rewards, cashback, or an easy way to handle expenses. However, once you've submitted your application, the waiting period can feel uncertain. 

You might be wondering: 

• Has my application been approved?
• Is there any issue? 
• When will I receive my card?

Fortunately, AU Bank provides a seamless process for tracking your credit card application status. Whether you applied online or at a branch, you can easily check your status using different methods such as online tracking, customer service helpline, or by visiting a branch. 

Knowing where your application stands helps you stay informed and take action if needed, such as submitting additional documents or correcting any errors.

This guide will walk you through how to track your AU Bank credit card status, what each status result means, and how to handle any issues you may face during the process. Let's get started!

How to Check AU Bank Credit Card Status

AU Bank allows you to track your credit card application status through both online and offline methods. Here's how you can check the progress of your application:

1. Online tracking: Tracking your AU Bank credit card application online is one of the fastest and most convenient methods. Here's how to do it:

• Visit the AU Bank credit card application status portal.
• Enter your 'Lead ID' and PAN in the required fields.
• Click 'Submit' to check your status.

The system will display whether your application is approved, pending, on hold, or rejected.

2. SMS updates: Many banks, including AU Bank, provide automated SMS updates regarding the status of your credit card application:

• You will receive an SMS once your application is approved and when the credit card is dispatched.
• If you haven't received any SMS updates, contact AU Bank customer care to check if SMS tracking is available.

3. Customer care helpline: If you prefer checking your status over the phone, you can call AU Bank's customer service.

• Dial 1800 1200 1500 or 1800 1200 1200 (AU Bank's toll-free number).
• Provide your application reference number, registered mobile number, or PAN for verification.
• The customer care executive will check and update you on the current status of your application.

4. Visiting an AU Bank branch: If you prefer in-person assistance, you can visit the nearest AU Bank branch and speak to a representative.

• Carry a valid government-issued ID (Aadhaar card, PAN card, passport, or driver's license).
• Bring your application reference number to help the bank locate your details quickly.
• A bank representative will verify your details and provide an update on your credit card application.

With multiple tracking options available, you can choose the most convenient way to get real-time updates.

Understanding AU Bank Credit Card Application Status Results

When you check your AU Bank credit card application status, you will see one of the following results:

• Processing: Your application is still under review, and AU Bank is verifying your documents and eligibility. Processing times can vary depending on the number of applications received and the completeness of your submitted details.
• Approved: Your credit card application has been approved, and the card will be dispatched soon. You will receive an SMS with the expected delivery date.
• Rejected: Unfortunately, AU Bank has declined your application. This could be due to various reasons, such as an insufficient credit score, incomplete documents, or failure to meet the bank's eligibility criteria.
• On hold: The bank requires additional documents or further verification before processing your application. Contact AU Bank's customer service to find out what needs to be done.

Knowing your application status helps you take the right steps, whether it’s awaiting delivery, providing additional documents, or improving your credit score for future applications.

Why You Should Track Your AU Bank Credit Card Application Status

Tracking your credit card application status is essential for the following reasons:

1. Stay updated on your application progress: Knowing whether your application is being processed, approved, or requires further action can save you from experiencing unnecessary waiting and uncertainty.
2. Avoid delays due to missing documents: If your application is on hold, tracking its status allows you to respond quickly and submit any required documents to avoid unnecessary delays.
3. Plan your finances accordingly: If your application is approved, you can start planning how to use your new credit card for purchases, bill payments, and rewards.
4. Resolve rejections and reapply strategically: If your application is rejected, checking the status may help you understand why. You can then take the necessary steps, such as improving your credit score, before reapplying.

Keeping track of your AU Bank credit card application ensures you stay informed about its progress, can quickly resolve any issues, and plan ahead.

Common Issues Faced During AU Credit Card Status Check

Even though AU Bank provides multiple tracking methods, you may face some challenges while checking your credit card application status. Here are some common issues and how to resolve them:

1. Incorrect details entered: Make sure you enter the correct 'Lead ID', PAN, or registered mobile number when checking online. If you enter incorrect details multiple times, the system may block access temporarily.
2. No updates received via SMS: Ensure that your registered mobile number is correct. If you haven't received any updates, contact customer care to confirm your application status.
3. Application delays: While some applications are processed within a few days, others may take longer due to high application volumes or additional verification. 
   If your status remains "Processing" for an extended period, contact AU Bank for clarification.

4. Application rejected without clear reason: AU Bank may reject applications for reasons such as low credit score, income criteria not met, or incorrect details submitted.

You can request more information from AU Bank and work on improving your eligibility before reapplying.

Tracking your AU Bank credit card application status is simple. You can do it online, via SMS, through customer care, or by visiting a branch. By staying informed, you can ensure a smooth application process, avoid unnecessary delays, and take immediate action if necessary.

If your application is approved, you will soon receive your credit card and can start enjoying its benefits. If your application is on hold or rejected, tracking the status allows you to resolve any issues before you reapply.

If you have any further questions, call AU Bank's customer support at 1800 1200 1500 or visit the AU Bank official website for more details.