Credit Card Application Status: Track CC Status Online & Offline

To help you easily track your credit card application status, card issuers offer many simple and quick options. You can complete credit card tracking online or offline, and get an update using a mode that is convenient.

When you track your credit card (CC) application, your card provider will request a few details, such as: 

• Application or reference number
• Registered mobile number
• Date of birth

By providing this information, you can instantly get an update on your credit card application status. Make sure you give this information only to authorized person to keep your data safe. To know more and how to track credit card status online and offline, read on.

What Does Your Credit Card Application Status Mean?

Issuers take multiple steps to process your credit card application. Since there are multiple stages, there are multiple statuses and understanding these is crucial. Here are some common CC status updates you may see.

• In/Under Process: The issuer is verifying your documents and application details
• Disapproved: The issuer has rejected your application 
• Dispatched: This issuer has approved your application, and your card is out for delivery
• On-Hold: The issuer is unable to process your application due to incomplete documents; so, you must contact your issuer to provide further information 
• No Records: You might have entered incorrect details in the tracker 

Usually, credit card companies need 10-15 days to process your application. Once you submit your application, you can easily initiate a credit card status check and take the next steps. This could either be contacting the issuer, waiting for your card or applying for another card. 

Steps to Check Your Credit Card Application Status Online

For an easy and quick credit card application status check, visit the issuer’s website. Here are some general steps to track your application online. 

• Step 1: Go to your issuer’s official website
• Step 2: Go to the ‘Track Application’ tab
• Step 3: Enter the required details such as application number, mobile number, PAN, etc.
• Step 4: Click on the submit button
• Step 5: Check the status displayed on the screen

Also Read: Credit Card Eligibility Criteria Online

How to Check the Credit Card Application Status Offline

In case you are wondering how to check my credit card status offline, here are some of the offline methods you can try: 

• Customer Care

You can call your issuer’s customer care number to complete a credit card status check offline. Generally, this number is available on their website. Once you call the number, you can request the representative to check your card status.

The representatives may ask for your application or reference number and other information. Through these details, the lender will analyse your identity and inform you about your CC status. 

• SMS

Some banks also allow you to track credit card application status through the SMS banking facility. To enable this, you need to send an SMS from your registered mobile number. However, ensure you enter the correct SMS format and number code.

Once you send the SMS, your credit card issuers will text you your application status. However, this option may only be available for customers registered for SMS banking. 

• At the Bank Branch

If it’s more comfortable, you can also visit your nearest bank branch to track your credit card application status. At the bank, talk to an executive or ask the help desk about your card. After collecting and processing your details, they will give you the latest update. 

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FAQs on Tracking Credit Card Application Status Online

Can I check if I will be approved for a credit card?

Yes. After you have successfully applied, you can track the status through the credit card company’s website. You can also call customer care or visit a branch to know the status of your application. 

How many days will it take to process a credit card application?

The processing time for your credit card application depends on many factors, such as the type of card and the submitted documents. Generally, it takes about 10-15 days, while some credit card companies may take up to 21 days. 

Why is my credit card status showing “In Process”?

If your application status shows ‘In Process’ or ‘Under Process,’ this means that the issuer is reviewing your application. Once your application is reviewed, your status will be updated.