Bank of Baroda Credit Card Application Status

Have you applied for a Bank of Baroda credit card? But, need to know its status? Then, you may be wondering how to check your Bank of Baroda credit card status. Keeping track of your credit card application status can give you peace of mind and help you plan your finances accordingly. 

In this blog, Urban Money will help you to explore the various ways in which you can check your Bank of Baroda credit card application status, how to do it quickly and easily along with the benefits of knowing the status of your application. With this information, you’ll be able to stay informed and updated on the progress of your Bank of Baroda credit card application. Then, what are you waiting for? Let’s start with the methods and approval ways for the Bank of Baroda credit card tracking status.

All About Bank of Baroda Credit Card Application Status

Bank of Baroda offers a variety of credit cards to cater to the diverse needs of its customers. Once you submit your application for a Bank of Baroda credit card, you can check its status online. To check the status of your credit card application, you need to visit the Bank of Baroda website and navigate to the ‘Credit Cards’ section. From there, you can click on the ‘Application Status’ option and enter your application reference number and mobile number or date of birth. After submitting the details, you can view the status of your credit card application. The status can be ‘In Progress’, ‘Approved’, ‘On Hold’, ‘Rejected’, or ‘Disapproved’. If your application is approved, you can expect to receive your credit card within a few days. In case of any discrepancy or delay, you can reach out to Bank of Baroda’s customer care for assistance. It is essential to keep track of your credit card application status to know when you can expect to receive your credit card and start enjoying its benefits.

Steps to Check Bank of Baroda Credit Card Application Status Online

To check the status of your Bank of Baroda credit card application online, follow the steps below.

Step 1: Visit the Bank of Baroda official website at www[dot]bankofbaroda[dot]in

Step 2: Click on the ‘Credit Card’ option in the main menu.

Step 3: Select ‘Track Your Application’ from the drop-down menu.

Step 4: Enter your application reference number and registered mobile number in the given fields.

Step 5: Click on the ‘Track’ button to get the status of your credit card application.

What are the Different Types of Bank of Baroda Credit Card Application Statuses?

Bank of Baroda offers various types of credit cards to its customers, and the status of credit card applications can vary depending on the stage of the application process. Here are the different types of Bank of Baroda credit card application statuses:

1. Application Received: This status indicates that the bank has received your credit card application and is currently reviewing it.
2. Under Process: This status means that your application is under review and the bank is verifying your details and eligibility for the credit card.
3. On Hold: If your application is put on hold, it means that the bank requires additional information or documentation to process your application.
4. Approved: This status means that your credit card application has been approved by the bank, and the credit card will be issued to you soon.
5. Rejected: If your application has been rejected, it means that the bank has found that you do not meet the eligibility criteria or have provided incorrect information.
6. Dispatched: This status indicates that the bank has dispatched the credit card to your registered address.
7. Delivered: This status means that the credit card has been delivered to your registered address and is ready for use.

How to Check BoB Credit Card Application Status Offline?

If you want to check your Bank of Baroda credit card application status offline, you can do so by contacting the Bank of Baroda customer care centre. You can call the customer care centre at their toll-free number 1800-258-44-55 and speak to a customer care representative. They will ask for your application reference number and other details to check the status of your credit card application. Alternatively, you can also visit the nearest Bank of Baroda branch and inquire about the status of your credit card application. Just make sure to carry your application reference number and any other relevant documents that may be required. By using these offline methods, you can easily Bank of Baroda status check of your credit card application status and get an update on the progress of your application.

Ways to Improve Chances of Bank of Baroda Credit Card Approval

If you’re planning to apply for a Bank of Baroda credit card, there are a few things you can do to improve your chances of getting approved. Maintaining a good credit score, providing accurate information, applying for a card that suits your needs, and demonstrating responsible credit usage can help improve your chances of getting a Bank of Baroda credit card. Here are some ways to increase the likelihood of Bank of Baroda credit card approval:

1. Maintain a good credit score: Your credit score is one of the most important factors that the Bank of Baroda considers when reviewing credit card applications. A higher credit score indicates a good credit history and increases the chances of approval. Therefore, ensure that you have a good credit score by paying your bills and loan repayments on time. 
2. Have a stable income: Your income is another critical factor that the Bank of Baroda considers when reviewing credit card applications. If you have a stable job with a regular income, it will boost your chances of getting approved. 
3. Ensure accurate information: While filling out the credit card application form, make sure you provide accurate information. This includes your personal details, employment status, and financial information. Inaccurate or false information may lead to the rejection of your application. 
4. Apply for a card that suits your needs: Bank of Baroda offers a range of credit cards, each with its own set of features and benefits. Before applying, review the different types of credit cards and choose one that suits your needs and lifestyle. 
5. Apply for a lower credit limit: If you are applying for a credit card for the first time, it is advisable to apply for a lower credit limit. This will increase your chances of approval and also help you manage your credit better. 
6. Maintain a low credit utilisation ratio: Your credit utilisation ratio is the amount of credit you use compared to your credit limit. A lower credit utilisation ratio indicates that you are responsible for your credit usage and can improve your credit score. Therefore, try to maintain a low credit utilisation ratio by not exceeding your credit limit.

What to Remember When Applying for a BoB Credit Card After Rejection?

If your application for a Bank of Baroda credit card has been rejected, there are a few things to keep in mind before reapplying. Here are some important points to remember when applying for a Bank of Baroda credit card after rejection:

 

1. Review the reasons for the rejection: Bank of Baroda will usually provide reasons for the rejection of your credit card application. Carefully review these reasons and work on improving those areas before reapplying. 
2. Wait for a few months: Applying for credit cards too frequently may negatively impact your credit score, and can lead to the rejection of your application. It is advisable to wait for a few months before reapplying to avoid any negative impact on your credit score. 
3. Check your credit score: Check your credit score to ensure that it meets the eligibility criteria. If your credit score is low, work on improving it by paying bills and loan repayments on time. 
4. Ensure accurate information: Ensure that you provide accurate information in the credit card application form. If you provided inaccurate information in the previous application, it may lead to the rejection of your new application. 
5. Apply for a suitable credit card: Review the different types of credit cards offered by the Bank of Baroda and choose one that suits your needs and eligibility criteria. 
6. Apply for a lower credit limit: If your previous application was rejected, consider applying for a lower credit limit. This will improve your chances of approval and also help you manage your credit better. 
7. Consider other credit options: If your application for a Bank of Baroda credit card is rejected again, consider other credit options such as secured credit cards or credit builder loans that can help you improve your credit score.

Conclusion

Checking your Bank of Baroda credit card application status is a crucial step to ensure that you receive your credit card in a timely manner. With the convenience of online and offline methods, it has become easier for customers to keep track of their credit card application status. By using the Bank of Baroda website or calling their customer care centre, you can check the status of your credit card application at any time. Whether it is ‘In Progress’, ‘Approved’, ‘On Hold’, ‘Rejected’, or ‘Disapproved’, knowing the status of your application can help you plan your finances and make informed decisions. So, if you have applied for a Bank of Baroda credit card, make sure to check its application status regularly and reach out to their customer care centre if you face any issues or have any queries.