How to Track Your Credit Card Application Status

Once you have submitted your credit card application, you must check its status and understand the current stage of your application. You can track your credit card application status either online or offline to find if the financial company has approved or rejected your application. 

 

Once you have this information, you can decide if you need to apply for a new card to manage your financial requirements. It also helps you understand if you need to contact customer care to provide any additional details if the application is on hold.

Most banks and financial institutions allow you to track your application status digitally. Here is how you can initiate a credit card application status check online:

Via the Credit Card Company’s Website

1. Visit the official website of the financial institution

2. Navigate to the credit cards section and go to the section that lets you track or check application status

3. Enter the required details for verification, such as application reference number, registered mobile number, date of birth, and PAN card number 

4. Click on Submit or Proceed to get the application status

 

In some cases, you may need to enter an OTP to verify your identity. 

Via Email

1. Visit the official website of the bank/NBFCs

2. Head to the ‘Contact Us’ tab and find the email address

3. Open your email inbox and send a mail request for an update about your credit card application status

4. Mention your application ID, mobile number, PAN card number, and date of birth in the mail for verification

 

In some cases, you will be able to open a message box on the ‘Contact Us’ page itself and send your query directly. 

Via Credit Card Company’s Mobile App

1. Install the official mobile app of the financial institution on your mobile phone

2. Log in using your credentials if you already have an account or create an account

3. Look for a section titled ‘Track Application’ under the ‘Credit Cards’ section

4. Provide specific details for verification, such as application reference number, registered mobile number, date of birth and PAN card number

5. Click ‘Submit’ to know the status of your application

Even if you do not have a data connection, you can track your card’s application status through offline modes. You can try the following ways to check your credit card application status offline:

Via Card Provider’s Customer Care Helpline

1. Find the credit card customer care number of the financial institution

2. Request the executive to help you track the status

3. After verification, the executive shall provide the necessary updates 

Via Branch Visit

1. Go to the nearest branch of the credit card company 

2. Get in touch with a representative and request a credit card application status update

3. Provide the required details for verification purposes

4. After checking, the representative will update you regarding your card’s application status

Via the SMS Facility

1. Opt for the SMS Banking facility of the bank/NBFC, if required

2. Find and type the specific keyword for tracking the application status and send the message to the SMS banking number

3. You will receive an update regarding the status via an SMS

From the time you apply for a new card to the time you receive it, multiple changes take place in the status of the application. So, if you track your credit card application status, you will see it mapped to one of these options:

• In-progress

This status implies that the financial institution has not yet assessed your application.

• Approved

This status indicates that the card provider has approved your application, and you will get your credit card soon.

• Dispatched

If your credit card is being sent to you after approval, you will see this credit card status. The card provider will send you a mail/SMS regarding the approval and will mention the Air Waybill number in the same. 

 

This Air Waybill number is related to the shipment carrying your credit card. You can use it to track its location.

• On-hold

If the credit card company requires additional information to evaluate your application, this status will be displayed. You will likely receive a call or a message from the financial institution requesting you to submit the necessary documents. 

 

You can also be proactive and reach out to the customer care team on seeing this update. This will help the financial institution resolve the issue sooner.

• Disapproved/Declined/Rejected

This status means that your application did not match the credit card eligibility parameters set by the financial institution. You can reach out to the customer service team to find out the exact reason, so you can reapply once you match the criteria. 

• No Records Found

This appears if the details you entered are incorrect. You may have entered a mobile number that does not match the one provided in your credit card application. You may have provided an incorrect Reference/Application Number. 

 

Carefully re-enter your information and submit it to get the update. If this doesn’t work, get in touch with the credit card company.