Credit card application is a great step towards financial responsibility, and yet the waiting period is often nerve-wracking. Fortunately, all the banks have provided simple steps that can help you monitor the status of your credit card application.
Just to know where your application is can be reassuring if you are checking online, offline or with the help of customer service. This article is going to provide you with an overview of the easiest ways to track your credit card application and what to do next.
Quick Steps to Check Your Credit Card Application Status Online
In today’s digital age, the most efficient way to track your credit card application status is online. Many banks provide a straightforward process that allows you to quickly check the status without any hassle.
- Visit the Bank’s Official Website: Most banks have a dedicated section on their website where you can track your application.
- Enter Necessary Information: Typically, you’ll be required to provide details like your application number, PAN (Permanent Account Number), or registered mobile number.
- Submit the Form: Once you’ve entered the details, submit the form, and the system will display the current status of your application.
By following these simple steps, you’ll be able to track your application within a matter of minutes.
Bank-Specific Credit Card Application Status Tracking
Each of the banks holds credit card application checking differently. Here is the complete guide to how to track the status of your credit card application for leading banks in India.
SBI Credit Card Application Status Check
Check your SBI Credit Card Application Status Online Follow these hassle-free steps and find out in no time:
- Go to the SBI Card website: www.sbicard.com.
- Click on the ‘Track your application’ section.
- Enter your application/reference number and click ‘Track’ to view your status.
If you don’t have the application/reference number:
- On the SBI Card website, select ‘Retrieve application’ under ‘Track your application’.
- Enter your name and mobile number, then click ‘Retrieve’ to get your application/reference number.
- Use this number to check your application status.
Customer Care:
To track your application, you have to call the toll-free number of SBI customer care at 1800-180-1290. Ensure that you have your application reference number handy so that it can be used to validate an application.
SMS Tracking:
Dial 5676791 to type an SMS in the following format- STATUS <application number>. The status of the application will be sent to you in an SMS reply to the details that you gave.
Axis Bank Credit Card Application Status
Using Application ID
- Visit the Axis Bank website.
- Navigate to the application status tracking page.
- The next step will be to choose a tab labelled “Application ID”.
- Enter your application ID.
- Press ‘Submit’ to get an update on your Axis Bank credit card application status.
Using PAN and Mobile Number
- Go to the Axis Bank website.
- Locate the application status tracking page.
- Choose the “PAN/Mobile Number” option.
- Enter your PAN and mobile number.
- Submit. The status of your application will be shown.
Using Email
- Go to the website of Axis Bank.
- Click the “Email” tab at the top of the page.
- The user is to enter the certain information.
- In the message box type, application status and enter the application ID.
- After that, type the captcha code, and press Submit button.
- Await an Axis Bank response. You will receive via your email the status of your application to the said bank.
Customer Support:
- You can contact Axis Bank customer care at 1860-419-5555. Share your application ID for updates.
HDFC Credit Card Application Status
Easily Check Your HDFC Credit Card Application Status with These below given Simple Steps:
- Visit HDFC Bank’s official website and go to the “Credit Cards” section. Select the “Track Your Credit Card Application” option.
- Enter either your application reference number or registered mobile number and date of birth to view the current status.
Phone Banking:
- Call HDFC’s customer care number (1860 108 7788 1860 500 2277) to inquire about the status. You will need to provide your application number for verification.
Branch Visit:
- You can also visit the nearest HDFC Bank branch with your application ID or registered mobile number to get an update on your card status.
ICICI Credit Card Application Status
- Visit the ICICI Bank website: https://www.icicibank.com/
- Navigate to the credit card application status page.
- Enter your application number, mobile number, and date of birth. (If you don’t have the application number, proceed to the next step.)
- If you don’t have the application number, enter your mobile number and date of birth. (An OTP will be sent to your registered mobile number.)
- Verify your mobile number using the OTP.
- Once verified, you can check the status of your ICICI credit card application. Ensure that the information you enter matches the details provided in your application form.
Customer Care:
- You can also call ICICI Bank customer care at 1800 103 8181 to track the status of your application. Keep your application ID handy for verification.
Bank of Baroda (BOB) Credit Card Application Status
Steps to Track Your Bank of Baroda Application Status Online:
- Visit the Bank of Baroda’s official website and navigate to the credit card section.
- Click on “Track Application.” You will need to enter your application reference number and date of birth to retrieve the status.
- The page will show you if your application is still being processed or if a decision has been made.
Customer Care:
- Call Bank of Baroda customer care at 1800-103-1006 / 1800-225-10.
- You can provide your application number and they will update you on the status.
IDFC Credit Card Application Status
How to Monitor Your IDFC Application Status Online:
- Visit your credit card issuer’s website or app.
- Look for the “Track application” option.
- Enter your details (DOB, mobile number, and/or application number).
- Submit and view your application status.
Customer Care:
- If you want to check the status of the application, then you can call the customer service of the IDFC First Bank at 1800-10-888 and provide them with the application ID.
Yes Banking Credit Card Application Check
- Visit the YES Bank website.
- Navigate to the “Personal Banking” section.
- Select “Yes Individual” followed by “Cards.”
- Find the “To track your Application Status” option.
- Enter your mobile number and application form number/reference number.
- Click “Submit.”
- Your YES Bank credit card application status will be displayed.
Customer Care:
- To know your credit card application status in Yes Bank, kindly contact the above-said customer care number at 1800 103 1212. It is recommended that one ensures that he/she has the reference number with him/her when making the call.
RBL Credit Card Application Status Check
- Go to the RBL Bank website.
- Locate the credit card application status tracker.
- Enter your reference number (including the # symbol) and your mobile number.
- Click “Submit.”
- Your RBL Bank credit card application status will be displayed.
Customer Care:
- You can also go through the RBL Bank Credit Card Helpline Number: 022 6232 7777/ 1800 121 9050 or the SuperCard Helpline Number: 022 711 90 900
Check Other Bank Credit Card Status
How to Track Credit Card Application Status Offline
If you’re not comfortable with online tracking, don’t worry! You can also track your credit card application offline. Banks provide customer service options and in-branch visits for those who prefer traditional methods.
Steps to Check Status via Customer Care
- Call the Bank’s Customer Service: Each bank has a dedicated customer care helpline.
- Provide Necessary Details: You’ll be asked for your application number or PAN and other personal details for verification.
- Get an Update: Once the customer service representative verifies your information, they will inform you of your application’s current status.
Check Status via Bank Branch Visit
You can visit your nearest bank branch to get updates on your credit card application. Make sure to carry necessary documents such as your application reference number, PAN, or registered mobile number for verification purposes.
Track Your Status Through SMS
Many banks allow you to track your credit card application status through SMS. By sending a specific keyword (such as “STATUS” followed by your application number) to a designated number, you’ll receive an instant reply with your application update.
Possible Results from Credit Card Application Status Check
When you check your credit card application status, you might encounter a few different responses. Here’s what they generally mean:
- In Progress: Your application is being processed by the bank, and no final decision has been made yet.
- Approved: Congratulations! Your credit card application has been approved, and you should receive your card soon.
- Dispatched: Your card has been dispatched to your registered address. You should receive it in the coming days.
- On Hold: The bank needs additional information or documents to proceed with your application.
- Rejected: Unfortunately, your application didn’t meet the bank’s requirements. But don’t worry—there are steps you can take.
Important Considerations Before Applying for a Credit Card
Before you submit a credit card application, it’s essential to keep a few things in mind. Proper preparation can help prevent delays and increase the likelihood of approval.
Documents You’ll Need for Application Tracking
To easily track your credit card application, make sure you have the following documents handy:
- Application reference number
- PAN
- Registered mobile number
- Date of birth (for some banks)
What to Do if Your Credit Card Application is Rejected
Getting a rejection can be frustrating, but it’s not the end of the road. Here’s what you can do next:
- Request a Reason for Rejection: Ask the bank for an explanation, as this can give you insight into why your application was denied.
- Check Your Credit Score: A low credit score is a common reason for rejection. You might want to review your score and improve it before reapplying.
- Reapply with Correct Information: Sometimes, a simple error in your application can lead to rejection. Make sure to provide accurate and up-to-date information when reapplying.
FAQs
Q1. Can I track my credit card application status if I don’t have the application number?
Ans: Yes, some banks provide an option to track the status using other details such as PAN, registered mobile number, or date of birth, excluding the application number.
Q2. How many days does it take to approve a credit card application?
Ans: It normally takes 7-21 working days for the banks to approve or decline a credit card application. It is dependent on the banking institution in question and the specifics surrounding the profile of the applicant in question.
Q3. What can I do if I have misplaced my application number?
Ans: If a candidate is unable to recall the application number, then the candidate can call the bank’s customer care with a valid PAN number and registered mobile number to know the status of the application.
Q4. What does ‘In Progress’ mean when checking the status of the credit card application?
Ans: In Progress’ means that the application you completed is still with the bank and is being worked on. No final decision has been made yet and they undergo the other necessary checks and verify.
Q5. What should I do if my credit card application has been turned down?
Ans: Yes, you can reapply. Still, it is crucial to know the causes of rejection once and for all. Some of those things can be fixed, for example, getting a better credit score increases the chances of getting approved next time.
Q6. Does frequently checking my credit card application status have a negative impact on my credit score?
Ans: No, there is no way that checking on one’s credit card application status, especially within the credit card issuing organization will in one or another affect that person’s credit score. Broadly it is for tracking purposes and does not contain any kind of hard inquiries.
Q7. How will I know if my credit card application has been successful?
Ans: Once approved, you will be notified of the decision either through the phone in the form of a message, through email or even a letter from the bank. Some banks also give the update through the websites they own or even via their respective application.
Q8. What can I do if I have applied for a credit card and my application is still not processed?
Ans: In case your application is processed for a period longer than stated, you need to contact the bank’s client service. It means there may be a delay due to some verifications that the employer might ask for or other documents that the employer requires.
Q9. Can I check my credit card status using mobile banking applications?
Ans: Indeed, most banks provide that account holders should be able to monitor credit card applications through mobile banking apps. Visit your bank’s website and see whether they offer this particular service and then type in your username and password to enable the tracking process.
Q10. Can I cancel my credit card application after submission?
Ans: Yes, you can cancel your credit card application by contacting the bank’s customer care. However, you need to do so before the application is approved, as once the card is issued, you may need to follow different procedures for cancellation.