How to Check my Credit Card Status Instantly

Credit Card

For making all types of cashless transactions in India, credit cards have emerged as one of the most convenient financial tools. The form of plastic money offers you many benefits including reward points, cash back and paying in EMIs over a tenor.

In India, a large number of people apply for the best credit card. But, only a handful of them know the checking of the credit card statusafter applying it online or offline.

Nowadays, the internet has eased the credit card application process, and you can apply for one online and without having to visit a lender. Similar to the online application process, one can also track the best credit card statusonline.

If you have applied for the best credit cardand wanted to track the status, then you should go through this post. It will help you know the ways to do it without waiting. Read on!

Tracking credit card status made easy

You can track the credit card statusonline and offline by following some easy-to-follow steps. Let’s explore together.

  • Doing it over the web

Checking the status of your credit card is easier – all that you need to do is land or navigate to the webpage of your lender developed to check credit card status. Once you have landed on such a page, you will need to enter some details such as:

  • Provide your registered mobile number or the customer ID in the tab to identify the application
  • You will now need to feed in some credentials to verify your details. Those could be registered mobile number, PAN number, reference number, registered email ID and more
  • After the submission of the details, and once they are verified and authenticated, you will now be able to see your credit card status.
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  • Checking it via the conventional offline method

A majority of banks and non-banking finance companies (NBFCs) also offer an easy method to track the credit card status offline. It is made available for people who don’t have access to the internet or don’t want to check it online for personal reasons.

To enable this, a credit card applicant can simply enter the nearest branch of the bank and other lenders you applied for a credit card. Once there, he/she can get in touch with an executive and know the credit card statusby quoting the reference number.

Alternatively, you can also call the customer care of the applied credit card bank or company and get in touch with a customer care representative. As discussed earlier, you will need to provide some details of your credit card application such as:

  • PAN number
  • Reference number
  • Registered email ID and mobile number

After providing such inputs, you will get to know your credit card status quickly.

Reasons to apply for a credit card

If you are still to apply for the best credit cardand don’t know some reasons that will benefit you, here is a quick insight.

  • Enjoy a credit limit

With a credit card, you already have a credit limit that you can use as per your requirements and never bother about borrowing it from your family and friends. Every time you need to spend on some big-ticket purchase urgently, you can use your credit card.

  • Pay the bill after 40-50 days

After you make a purchase on a credit card in a billing cycle, you don’t need to pay the bill instantly. Lenders give you time up to 40-50 days to pay either the minimum amount due or total amount. You can pay the minimum amount due if you are facing some cash crunches in a month and avoid paying penalty charges. However, it should not become a habit as the remaining amount will continue to cough up interest.

  • Pay in EMIs
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You can always convert a transaction of Rs.3,000 and more into EMIs and pay over a tenor. This way, you don’t need to stress about paying the bill in a single billing cycle and derail the monthly budget.

  • Take a loan on credit card

Do you have a financial emergency? You can now avail a loan on credit card for the unutilized limit at an interest lower than other transactions. The loan is pre-approved and could be disbursed quickly to suit your needs.

A reputed credit card offer such as the Bajaj Finserv RBL Bank SuperCard comes with a loan on credit card facility for an interest free period of 90 days. The lender charges only a flat 2.5% processing fee.

Leading lenders such as Bajaj Finserv also offers pre-approved deals on best credit cards, personal loans, home loans, loan against property, and beyond. It is to help you ease off the overall loan system and make it faster for you.

You can check out your pre-approved loan offers today after sharing your basic credentials such as your name and mobile number.

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