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Credit cards have become an indispensable part of people’s lives as expenses continue to increase along with spending capacity. If you made a credit card application and are looking for the status, you can look for the credit card status check and track your application. Many banks and credit card issuers allow customers to check their credit card application status online through their website. There are also offline methods to do so, such as customer care phone number or the bank branch. The below section details the steps for checking the credit card status.
To help you track credit card status, we have comprised a list of top-performing banks in India.
HDFC credit card status
SBI credit card status
ICICI credit card status
Amex credit card status
Axis credit card status
Citibank credit card status
RBL Bank credit card status
Standard Chartered credit card status
Kotak credit card status
YES bank credit card status
The first thing steps while applying for a credit card is to select one that fits one’s credit profile. The market is flooded with various credit card offerings that can be broadly categorised as shopping cards, lifestyle cards, women credit cards, fuel cards, business cards, travel, online shopping etc. A credit card applicant can select a credit card that offers benefits as per individual spending habits.
A credit card application can either be made online or offline. Here are details of both the modes of application:
A credit card applicant can check his/her application status online. Banks and issuers generally require certain information to allow users to check credit card application status. At the time of form filling for application status check, one can keep the below-mentioned details ready:
While the process to check credit card application status could vary across banks and issuers, there is a common procedure followed by most. Here are the details of the same:
Steps to check credit card status online
Banks and card issuers provide convenience to applicants by allowing them to check their credit card application status online. A card applicant can easily check the credit card status by following the steps mentioned below. These steps may be applicable to most of the banks in India. However, some issuers may follow a different process for the same.
Steps to check credit card application status offline
You can also use the offline mode for checking your credit card application status. Some common ways to check it offline are:
Through Customer Care
You can call on the bank’s customer care number to check the application status
The customer support representative will seek an application/reference number to check the status and revert back
Some banks also have the facility of a dedicated customer care number for credit cards
By Visiting the Branch
You can visit the nearest branch of the bank to enquire about the status of your credit card application
Usually, the helpdesk executive will ask you for the application number and the registered mobile number
Some banks also offer the facility of the status check through SMS
You just have to send the SMS in the correct format to the correct number
The status will be communicated through SMS
You should send the message from the mobile number registered with the bank
Once an applicant has learnt how to view the application status of a credit card, it is important to know about the different stages and what they mean. This provides additional clarity on the credit card application status. Listed below are the various stages or results of a credit card application status check:
Credit card bill payments can be made online or offline every month. Here are the commonly followed procedures for bill payment across various card issuers:
Here are some of the important aspects to note before applying for a credit card for the first time:
Additional read – How to check credit card balance
It is important to check credit card status for applicants to get a clear idea about the possibility of getting a credit card and the associated timelines. With the availability of both online and offline modes, it is easy for applicants to keep a close track of credit card status.
1. How long is the processing of credit cards?
Most banks and issuers take 7-10 working days to process a credit card application. However, it could take longer in case of missing documents or if the bank has to put the application on hold for other undisclosed reasons.
2. What does it mean when your credit card application is ‘no records found?
This status could be in case you have entered an incorrect application/reference ID or a different mobile number than what was provided during the application. In such cases, you must wait 24 hours before re-checking the status since the bank may take some time to update the fresh application status in the system.
3. What happens if a credit card application is rejected? Can I apply for another card from the same bank?
If your credit card application was rejected, you can re-apply for a credit card from the same bank. Most card issuers expect applicants to wait for at least 6 months before re-applying for a card. This can help in improving the credit score again after post-application rejection.
4. What should I do to avoid my credit card application is rejected?
Always ensure to apply for the right credit card by checking whether you meet the eligibility criteria for the credit card. The card charges should also be affordable and match your income levels. Make sure to work towards a good credit score by ensuring regular and timely bill payments.
5. What should I do if I don’t have the application reference number for the credit card application?
It is important to have the application reference number for checking the credit card status. In case you don’t have it, you can try out the option of using a registered mobile number and OTP for recovering the reference number.
6. How many days does it take to get HDFC credit card?
After receiving a credit card application, it takes up to 21 working days to deliver an HDFC credit card. In case of any issues such as missing documents or missing information during the application, the process may be further delayed.
7. What is credit card eligibility?
Most credit cards have a minimum age requirement of 18 years. Apart from this, each bank or issuer has a minimum income requirement. Banks also check the applicant’s credit score before issuing a credit card.
8. Can I get a credit card with a 10000 salary?
While you can get a credit card with Rs. 10,000 as salary, you may have very limited card options to choose from. The higher the salary, the wider the options available.
9. Can a housewife get a credit card?
Yes, housewives can also avail of credit card facilities by showing a minimum earning per month. Some banks allow credit card applications if the applicant maintains a fixed deposit account with the bank.
10. Can I apply for a credit card without a job?
Unemployment doesn't result in disqualification from a credit card application. Card issuers look at an individual’s income before granting a credit card. As long as one meets the income criteria, he/she can avail of a credit card.
11. Can you get a credit card in one day?
Although many banks and issuers approve many credit cards in one day, it may not be possible to get the physical card within a day. Generally, it takes up to 7-10 days to get a credit card.
12. How long should you wait before applying for another credit card?
It is advisable to wait up to 90 days before applying for another credit card in case your application has been rejected. This ensures limited or no impact on credit score.
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YES Bank Credit Card Status
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