Introduction
Credit cards have become very important for people as their expenses increase every day. If you have recently applied for a new credit card and are expecting a response, you can check the credit card application status to verify how far the application has progressed. Almost all financial institutions provide an option to their customers to check the credit card application status through their website. Furthermore, there are several offline methods offered by them using which you can know the status.
Checking your credit card application status has now become a very simplified process. Although different institutions have different methods to check the status, there are some general steps that you can follow to check your credit card application status through online and offline methods.
Details needed to check your credit card application status
When you check your credit card application status, the bank asks for some basic details you need to provide to verify that a genuine person is accessing the details. When you fill up the form, do keep the following details handy.
- Registered mobile number
- Reference number or application number
- PAN Card details
- Date of birth of the applicant
Steps to check your credit card application status through online mode
Banks nowadays offer convenient methods to check credit card application status through online methods. It is important to note that these steps would work for most Indian banks, but some institutions may have a specific procedure, so you should visit their official website for more details.
Step 1: Log in to the official website from where you have completed your credit card application.
Step 2: Go to the ‘Check application status’ or ‘Track application status’ tab on the website.
Step 3: On clicking the tab, you will be prompted to fill in the application details to check the status. Fill in all the required details and submit.
Step 4: The website will verify all the details provided and then show the status of your credit card application.
Methods to check the credit card application status through offline mode
If you are not comfortable with the online methods, you can opt for offline methods to check your credit card application status. Some common methods in the offline mode to credit card apply are:
Customer care services
All financial institutions have a dedicated customer care number for credit card services. You need to call the issuer’s customer care to check the application status. The customer care executive first verifies the application number and other basic details and then tells you the credit card application status.
Visiting the nearest branch
If you can spare some time, you can inquire about your credit card application status by visiting the nearest bank branch. Generally, the executive at the bank would ask you the registered mobile number and reference/application number and then tell the status.
Through SMS services
Financial institutions these days offer mobile banking or SMS-based services. You just need to send the SMS in the required format to the number shared by the issuer, and the application status is easily communicated through the SMS. Please make sure that you send the message through your registered mobile number.
Possible results received after status check and their meaning
Once you know your credit card application status, you need to understand the importance of the different stages. The various stages during the processing of your credit card are as follows:
- In-process: This status is shown when the issuer has not processed your application or if it is being processed.
- On-hold: Your application is put on hold when the application lacks some documents or the issuer has not received your credit score from the credit information providing companies like CIBIL.
- No records found: This generally occurs when you provide the wrong details like mobile number, PAN Card or application number while checking the status.
- Dispatched: When your credit card application status shows dispatched, this means that your application has been approved and the credit card is in transit, and you will receive it soon.
- Rejected: This status means that the issuer has declined to provide you with a credit card. This could be due to a low credit score or some major details or documents missing in the application.
If you are confused about which credit card to choose, then you can go for the Bajaj Finserv RBL Bank SuperCard, which has a seamless application process, instant approval, and a lot of offers that will benefit you while making your purchases.
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