Lifestyle

Simple Tips to Track your Credit Card Application

Different banks follow different methods for the application for credit cards, but the majority of them include an online facility where you can apply for a credit card. The process involves providing the bank with the necessary documents and information. Once the application procedure is complete, you must check the status of your application to see how long the bank will take to process it so that you can follow up with them.

Details Required To Check Credit Card Application Status

To check your credit card application status online and benefit from their service, you may need to provide part or all of the information listed below to the respective banks. Keep the information handy when filling out the form. The details are as follows:

  • PAN card number
  • Application number or Reference number
  • Date of birth
  • Registered mobile number

How To Check Credit Card Application Status Online?

With online banking facilities available, you can now easily track the status of your credit card application online. The following steps are applicable for most Indian banks, however, a few exceptions can be there.

  • Visit the official website of the bank from where you made the application.
  • On the site, search for track/check application status. It can be usually found under the credit card option.
  • Submit the information requested on the track application check status page.
  • The status of your credit card will now be displayed.

How To Check Credit Card Application Status Offline?

You can check your credit card application status using offline methods as well. You can check it offline in a variety of methods, including:

How To Check Credit Card Application Status Through SMS?

Some banks provide the facility to check your account status by SMS: The steps to do that are:-

  • Type the SMS in the correct format to the correct number
  • Send the SMS from the bank’s registered mobile number
  • The application’s status will be communicated via SMS

How To Check Credit Card Application Status Through Customer Care?

You can verify the status of your application by calling the bank’s customer service hotline

  • You will be asked for your application/reference number by the customer service representative
  • Once the number is verified on the system, he/she will inform you of the status

How To Check Credit Card Application Status By Visiting The Branch?

You can inquire about the progress of your credit card application at the bank’s nearest branch.

  • Tell the helpdesk representative the application number and the registered mobile number
  • He/She will update you about the progress

Track Credit Card Status Of Top Banks In India

We’ve compiled a list of top-performing banks in India to assist you in tracking your credit card application status.

SBI Credit Card

  • Visit the official website of the SBI bank.
  • Under the ‘Track your application’ section, select ‘Check the status of your application’.
  • Submit the application number or reference number and click on ‘Track’ to check progress.

HDFC Credit Card

  • Visit HDFC bank’s credit card website.
  • Submit details like application number, date of birth and registered mobile number.
  • Enter the Captcha and track progress.

Axis Credit Card

  • Visit the credit card section on the bank’s website.
  • Choose between App ID or PAN or Mobile Number and enter the relevant details.
  • Click submit to track progress.

Kotak Credit Card

  • Select the credit card option after visiting the bank’s website.
  • Enter the application number.
  • Submit the form and track progress.

ICICI Credit Card

  • Visit the credit card section on the bank’s website.
  • You can track the status either by submitting the application number or entering the registered mobile number.
  • In the case of a mobile number, further authentication is requested by the bank through the registered mobile number, date of birth and OTP.
  • On submission of all details, the credit card application status is displayed.

Worried about your Credit Card Application?

When you apply for your Bajaj Finserv credit card, make sure you keep the following pointers in mind, as they can be a reason for your application getting rejected:

  • The credit lender company evaluates your creditworthiness with several aspects, but, as we discussed earlier, the most important is the credit score. A credit score indicates your creditworthiness or in simple words, whether you are capable of returning the credit you are asking for. A lower credit score usually means non-eligibility.
  • Having multiple cards from different lenders
  • Or if have applied for different credit from various lenders
  • Having a credit history with unpaid EMIs
  • Low income
  • Unstable employment
  • If you never had a credit card, this will also affect your eligibility

Conclusion

Most banks take up to three weeks to process your credit card application. The processing of your credit card request, followed by dispatch to your home address, may take up to a month from the date of registration.

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