How to Check Your Credit Card Application Status

24 Feb 2022|

2 min read |

by ICICI Securities Team

Introduction:

A credit card lets you borrow funds when you are falling short and gives you a specific time frame to repay those lent funds. You can be flexible with your payments, enjoy local/ global partner benefits, receive reward points and cash backs, and unlock various other benefits with a credit card. But to enjoy those advantages, you must have a steady flow of income and a good CIBIL score. The credit card application process is very straightforward in most banks and takes no more than a few minutes. If you have recently applied for a credit card and want to know how to carry a credit card application status check, read on to understand how to go about it.

Online credit card application status check

With everything digitized, including financial services, almost every bank in India, at least in the metropolitans, has their credit card application procedures online. Everything step of the credit card application system including applying, verifying, and checking the credit card application status, is available on the bank’s website. To check the status of your credit card application, all you have to do is:

Visit the bank’s website and click on the ‘credit card’ section
Log in with your user Login or ID number and password
Click on ‘track application’.
Enter the details requested, like your credit card application ID, mobile number, PAN card information
Click on submit, and you will see the desired information on your screen

Additionally, you might also be asked to provide other details like your date of birth or credit card application form number. Keep them at hand for a smooth status check.

Offline credit card application status check

If for some reason, you want to check your credit card application status offline, you can visit your bank’s nearest branch in person and talk to the concerned professional. They will provide the details of your application. In the offline mode, you have to carry hard copies (or soft copies if allowed) of relevant documents like your PAN card, Aadhar card, application number and form, and the like for tracking or verification purposes. However, it is best to notify your bank by calling the customer care number or informing them by SMS/ mail of your visit. You can even ask them about the documents needed and carry them beforehand to avoid unnecessary back and forth. Most of the time, a customer service official will provide the details to you on-call itself.

Additional Read: 10 Ways to Improve Your CIBIL Score

Credit card application eligibility

Before you can check your credit card application status, you must be eligible to make a credit card application. The general eligibility criteria to apply for a credit card include:

Being between 21 to 65 years of age
Having a regular source of monthly/ annual income
Being a self-employed or salaried individual
Having a good credit/ CIBIL score
Being a permanent resident of India or a non-resident Indian (NRI)

Additional Read: Prepaying a Home Loan-Good Idea or Bad

To sum it up:

Everything about a credit card application has been made easy and convenient so that you can start availing of benefits at the earliest. Ideally, it is more time-saving to carry out a credit card application status check online. But if you prefer to go old school, you can drop in at your nearest bank branch and check your application status.

Additional Read: What is Form 16 ? Basics Part A & Part B of Form 16

Disclaimer

ICICI Securities Limited has its registered office at ICICI Venture House, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400025, India, Tel No:- 022 - 2288 2460, 022 - 2288 2470. The non-broking products / services like iLearn and Financial Learning are not exchange traded products / services and ICICI Securities Ltd. is just acting as a distributor/ referral Agent of such products / services and all disputes with respect to the distribution activity would not have access to Exchange investor redressal or Arbitration mechanism. iLearn is not an exchange traded product/service of ICICI Securities Ltd. All disputes with respect to the activity on the platform would not have access to Exchange investor redressal or Arbitration mechanism.

ICICI Securities Ltd. is a Member of National Stock Exchange of India Ltd (Member Code :07730), BSE Ltd (Member Code :103) and Member of Multi Commodity Exchange of India Ltd. (Member Code: 56250) and having SEBI registration no. INZ000183631. ICICI Securities Ltd. is a SEBI registered with SEBI as a Research Analyst vide registration no. INH000000990. Name of the Compliance officer (broking): Mr. Atul Agrawal, Contact number: 022-69997051, E-mail address: complianceofficer@icicisecurities.com Investments in securities markets are subject to market risks, read all the related documents carefully before investing. The contents herein above shall not be considered as an invitation or persuasion to trade or invest. ICICI Securities Ltd. and affiliates accept no liabilities for any loss or damage of any kind arising out of any actions taken in reliance thereon. Such representations are not indicative of future results. The securities quoted are exemplary and are not recommendatory. AMFI Regn. No.: ARN-0845. PFRDA registration numbers: POP no -05092018. ICICI Securities Ltd. acts as a Composite Corporate agent having registration number -CA0113. Mutual Fund Investments are subject to market risks, read all scheme related documents carefully. Please note, Mutual Fund, Corporate Fixed Deposits, Bonds, Alternate investment funds, Tax planning, Succession planning, NPS, IPO, Investment Advisory and Loans related services are not Exchange traded products and ICICI Securities Ltd. is acting as a distributor to solicit these products. Please note, Insurance related services are not Exchange traded products and ICICI Securities Ltd. is acting as a corporate agent to solicit these products. All disputes with respect to the distribution activity, would not have access to Exchange investor redressal forum or Arbitration mechanism. The non-broking products / services like Research, etc. are not exchange traded products / services and all disputes with respect to such activities would not have access to Exchange investor redressal or Arbitration mechanism. The contents herein above are solely for informational purpose and may not be used or considered as an offer document or solicitation of offer to buy or sell or subscribe for securities or other financial instruments or any other product. Investors should consult their financial advisers whether the product is suitable for them before taking any decision. The contents herein mentioned are solely for informational and educational purpose.

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