Waiting to hear back about your BOB credit card application can be stressful, especially when you’re unsure of its status. The uncertainty can leave you worried, wondering if your application got approved or if there’s a problem holding it up. Waits or miscommunications can disrupt your money goals, making it important to stay updated. Fortunately, if you’ve applied for a Bank of Baroda (BOB) credit card, you don’t have to wait in the darkness. With several instant tracking choices available, you can quickly check your application status online, through IVR, or even via email. This ensures you’re always informed and can take quick action if needed.
Understanding Bank of Baroda Credit Cards
Bank of Baroda offers a variety of credit cards to meet different needs, whether you travel often, love shopping, or need a card for everyday use. With rewards like cashback, travel perks, and points, BOB cards are popular for their benefits and strong safety.
Why Check Your Credit Card Status?
After applying for a BOB CARD, it’s important to check your application status. This helps you:
- Plan your finances better
- Avoid delays by spotting issues early
- Stay informed about your application’s progress
Regularly tracking your status ensures you can address any problems quickly and keep your financial plans on track.
1. Track Status using Application No. OR PAN Card OR Mobile No.
One of the most straightforward ways to check the status of your BOB card application is online. Bank of Baroda has made it easy for applicants to know their application real-time status using their application number, PAN card number, or registered mobile number. Here’s how you can do it:
1. Visit the Official Website
Start by going to the Bank of Baroda’s official website using your web browser. or you can simply go: https://www.bobcard.co.in/get-in-touch/track-credit-card-application
2. Navigate to the Credit Card Section
On the homepage, locate the menu. Look for the “Credit Cards” option and click on it. This will take you to the credit card section.
3. Select “Track status here”
Once you’re on the credit card page, scroll down until you find the link labelled “Track application status here.” Click on this link.
4. Enter Your Details
You will now be asked to enter one of the following:
- Application Number: The unique number you received when you applied.
- PAN Card Number: Your permanent account number, which is linked to your financial records.
- Registered Mobile Number: The mobile number you provided during your application.
5. Submit the Form
After carefully entering the required information, click on the “Get Details” button.
6. Check Your Status
Once submitted, the system will quickly retrieve and display the current status of your application. You’ll be able to see if your application is still under review, and approved, or if there’s any issue that needs your attention.
Possible status updates You may get
Here are a few possible status updates you might see when checking your credit card application, along with reasons for cancellation or rejection:
- In Progress: Your application is still being reviewed by the bank. wait few days
- Approved: Congratulations! Your application has been approved, and you will soon receive your credit card within 7 days.
- On Hold: Your application is on hold due to missing details or proof issues. This might be because of incomplete documentation or differences in your details.
- Rejected: Unfortunately, your application has been denied. This can be due to incomplete documentation, low credit scores, or not meeting eligibility criteria.
- Needs double-check: Your application needs further review by a loan officer. This usually happens for complex cases or if there are concerns about repayment.
- Account Closed: Your account has been closed, possibly due to inactivity, delinquency, or fraud.
- Required Documents: The bank needs additional documents to process your application. Make sure to provide the requested documents promptly to avoid delays.
2. Check the Bank of Baroda Application Status with IVR Service
Tracking your BOB Financial application in real-time using the IVR service is quick and easy. Here’s a step-by-step guide to help you through the process:
1. Dial the Toll-Free Number
Start by calling one of the toll-free numbers: 1800-103-1006 or 1800-225-100. These numbers are available 24/7, so you can call at any time.
2. Choose Your Language
When the call connects, you’ll be prompted to select your preferred language. Follow the instructions to make your choice.
3. Select the Credit Card Option
The IVR system will provide various options. Listen carefully and select the option related to credit cards.
4. Check Application Status
After selecting the credit card option, you’ll be prompted to choose the service you need. Select the option “Card Application Status”
5. Enter Required Details
The system will ask you to enter your application number, PAN card number, or registered mobile number. Use your phone’s keypad to enter the requested information.
6. Listen to the Status
After you’ve entered your details, the IVR will retrieve and announce the current status of your application.
Additional Self-Service Options
The IVR system also offers these helpful services:
- Balance Enquiry: Check your current credit card balance.
- Card Block: Block your card if it’s lost or stolen.
- PIN Generation/Reset: Create or reset your card PIN.
- Last 3 Transactions: Review your most recent transactions.
- Card Status Updates: Get updates on your card’s status.
By following these steps, you can easily track your application and access other useful services through the IVR system.
3. Send a BOB Card Email to get the Status
Here’s a simple guide for tracking your BOBCard application status if you haven’t received a response in 14 days:
- Wait 14 Days: Ensure that 14 days have passed since you submitted your application.
- Open Email: Start a new email in your email client.
- Address Email: Send it to crm@bobcard.co.in.
- Subject Line: Write “Application Status – [Your Application Number]”.
- Email Body: Include your name, and application number, and ask for an update on your status.
- Send Email: Double-check the details and send your message.
- Wait for Reply: Allow up to 5 business days for a response.
Reasons for BOB Card Cancellation or Rejection
- Low Credit Score: A poor credit record can affect your chances of approval.
- Insufficient Income: If your monthly income doesn’t meet the bank’s conditions, your application may be rejected.
- Age Must be: If you don’t meet the age requirements set by the bank. age must be 21 years or more.
- Unstable Employment: Irregular or recent job changes can be a factor.
- Internal Bank Policies: Reasons unknown, but the bank’s choice applies.
FAQs
What do I do if I encounter issues with BOB online tracking?
If online tracking isn’t working, call BOB’s customer service at 1800-223-224 for assistance and updates on your application.
How long does it take to process a BOB credit card application?
The processing time can vary but generally takes between 7 to 15 business days. If additional information is needed or if your application is on hold, it might take longer.
What should I do if my credit card application is rejected?
If your application is rejected, review the reason provided. Ensure all documentation and details are correct, check your credit report, and try again. Contact the Bank of Baroda for specific feedback and address any issues before reapplying.
What documents are required for a BOB credit card application?
Typically, you need to provide proof of identity (like Aadhar or passport), proof of address, income statements, and your PAN card. Ensure all documents are up-to-date and accurate to avoid delays.