It is very important to track your SBI Credit Card status. It helps you avoid potential delays in your credit card application and make amends if needed. SBI stands as one of the best credit card providers in India. It offers various online and offline ways to track your credit card application. You can apply for any of the available credit cards and get it faster by applying carefully and tracking regularly.
The SBI credit card applicants get an application number at the time of application, which can be later used to track the application status. By checking the SBI Credit Card Status
Regularly, you can get to know the expected delivery date and make the best out of your SBI credit card.
Available Online and Offline Ways to Track Your SBI Credit Card Status:
SBI provides various simple and convenient online and offline methods to track your credit card applications. Here are the key methods you can use to track your SBI credit card status:
Easy Way to Track SBI Credit Card Application Status Online:
You can check your SBI credit card status online via the official SBI Credit Card website. Here is how to do it:
- Go to the official SBI Credit Card website at www.sbicard.com.
- Then go to the ‘Track Your Application’ option. And fill in your application/reference number as required.
- Then click on the track button to see your credit card application status in real-time.
You can also retrieve your application/reference number on this website if you have somehow lost it and then check your SBI credit card status.
Easy Way to Track SBI Credit Card Application Status Offline:
SBI Bank provides convenient offline ways to track your credit card status for people who do not have an internet connection or cannot use the given online methods. This is how to do it:
- Go to any SBI bank branch and ask the bank representative to check your SBI credit card status. Provide your application/reference number to him when asked along with the date of birth if required.
- Alternatively, you can also call the 24×7 helpline of the bank and speak to the SBI credit card customer care. They will check your credit card status on the phone after verifying your identity. The SBI credit card customer care number is as follows:Tel.:1860-180-1290(STD Code): 39020202
Potential SBI Credit Card Application Status Results:
Here are the potential results the SBI bank might show you, and the representative might tell you when checking your SBI Credit Card Application Status:
- In Progress: It means that your credit card application is in process. It might be approved, dispatched, kept on hold, or disapproved based on the application form or provided documents.
- Approved: It shows that your credit card application has been approved, and it will be dispatched soon.
- Disapproved: It means that the bank has rejected your application due to credit score, income, age, employment, or some other reason. In this case you can apply again after 6 months.
- On-Hold: If the bank finds some issue in your application form or provided documents, then places your credit card application on hold. You can reach out to the bank for assistance or provide the required details.
- Dispatched: It means that your application was approved and dispatched already. The bank will also send you the estimated arrival time and tracking details via SMS.
Key Reasons Behind SBI Credit Card Application Rejection:
The SBI bank can reject your credit card due to any of the following reasons:
- Low Credit Score: The bank can reject your credit application due to a low credit score. Generally, a credit score above 700 is considered good, but it also varies based on the credit card and the provider’s policy.
- Eligibility Criteria: If the applicant does not meet the required eligibility criteria, such as age, income, employment type, or others.
- Faulty credit report: The bank can see your unpaid loans, late payments, or defaults as a high risk and reject your credit card application.
- Unstable employment and insufficient salary: If you change your jobs frequently and have a low salary below SBI’s minimum salary requirement, it can also cause your credit card application rejection.
- Wrong application form: If you have made some mistakes in your application regarding personal information, required documents, or salary requirements. Which can also get your SBI credit card application rejected.
- Multiple Credit Cards: If you already have multiple credit cards, the banks see you as a high-risk applicant.
It is very important to track your SBI Credit Card Status after applying for an SBI credit card. By checking your credit card status, you can check the expected delivery date and schedule your expenses accordingly. Even if you face some issues in your credit card application, then too, you can resolve them as soon as possible by checking your card status early and avoiding any potential delays. It can save you the hassle and time of reapplying for an SBI credit card.