Standard Chartered Bank’s Credit Card Application Status

Once you submit your Standard Chartered Bank Credit Card application, it will first be reviewed by the bank. To check your application status, you can log into the bank’s official website and check the status. Alternatively, you can also visit your nearest Standard Chartered bank to check your credit card application status.

Once you submit your Standard Chartered bank credit card application for review, you can opt for the credit card netbanking facility to track your application status. Depending on what stage of verification the application is, the online credit card status will show as either ‘In Process’, ‘On Hold’, ‘Dispatched’, etc. You can also check Standard Chartered Bank Credit Card status offline by calling on the customer care helpline or visiting the nearest Standard Chartered branch.

The Standard Chartered Bank Credit Card approval is subject to the bank's final verification and internal policies. Accessing your credit card application can take up some time. Thus, you can expect to get your Standard Chartered Bank Credit Card within 7-15 working days after submitting your online credit card application.

The approved credit limit on your Standard Chartered Bank Credit Card depends on your eligibility and the type of SCB credit card you are applying for. To check your credit card limit follow the below-mentioned steps:

1. Log into your Standard Chartered Bank Credit Card netbanking account

2. Click on ‘Cards’ and select ‘Card Summary’

3. Next, click on ‘Card Details’ to check your approved credit card limit

Your application may go through several stages before a final decision is made:

• Received: This means your application has been successfully submitted and is being reviewed by Standard Chartered.

• Under Review: Your application is being assessed based on various factors, including your credit score, income, and financial history.

• Pending Documents: Additional information or documents may be required to complete the review process. You will be notified if this is the case.

• Approved: Your application has been approved, and you can expect to receive your credit card shortly.

• Declined: Your application has been declined. You will be informed of the reason and may be able to reapply after a certain period.

If your application was declined, you may be able to reapply after 6 months. It's recommended to address the reason for the decline if possible, such as improving your credit score or providing additional documentation.

Checking your application status online will not impact your credit score negatively. However, multiple hard inquiries (formal credit checks) within a short period can slightly lower your score.

Here are a few ways in which you can increase the changes of the application approval:

• Make sure you check the Standard Chartered Bank Credit Card eligibility as dictated by the bank before submitting your application

• Ensure that all documents that need to be attached along with your Standard Chartered credit application form are proper and error-free

• Make sure you have a decent CIBIL score (ideally above 700) before submitting the credit card application

• Ensure that there are no outstanding debts or previous credit card bills that need to be cleared still, as it would hamper your credit history