Citibank is one of the leading private sector banks in India. It offers a wide variety of credit cards catering to various needs of its growing customer base.
Citibank credit cards are available in various categories such as travel, shopping, fuel, lifestyle and cash back allowing the customers to choose one that exactly suits their needs.
Applying for a Citi credit card and tracking the application status has been made easier with the help of internet.
Once you have applied for Citibank credit card, you can use both online and offline methods to track the application status.
In either case, all you need to have is the application reference number and your mobile number.
Application reference number is an 11-digit number sent to you through an SMS once your application reaches Citibank.
Once you receive your reference number, it may take up to 24 hours for the bank to update the application status. Therefore, it’s advised to check your status a day after you’ve received your reference number. The number is required for all future queries hence need to be retained until you receive your credit card.
Your mobile number should be the same as the one you’ve entered in your credit card application.
To check your credit card application status online you need an active internet connection, a laptop/PC or mobile. Once you are ready with your application reference number follow the below steps to track your Citibank credit card application status online.
If the entered details are accurate, the system will provide your application status. You can expect an in progress, on-hold, approved, disapproved or dispatched status for your application.
For an in progress status, you may have to wait for few more days for your application to get approved and your card to be dispatched.
You will receive approved status, once your application is approved before dispatching the card. Once it is dispatched, you will receive the same as your status.
Further follow-up of your application is required when the status says either your application is on-hold, disapproved or no records found.
An on-hold status says the bank requires further documentation or information from you. In that case, you may either receive a message or a call asking for the same.
A disapproved status says your application has been rejected. It could be because of not meeting the banks’ eligibility criteria. You may have to call Citibank’s customer care in case you need details for rejection.
You may come across no records found status, when the information entered by you is incorrect. Make sure you enter the correct details to check the status.
While the internet makes it easy to track the status of your application, not having it won’t deprive you of knowing the same. You can use any one of the options mentioned below to find the application status, without using the internet.
BankBazaar is a financial website which offers a variety of online services for its visitors. From comparing financial products to purchasing them, it’s a one-stop shop for all your financial needs. It covers a wide variety of products including credit cards, loans and other financial services.
For those who apply for a credit card through BankBazaar, the site offers a feature to track application of the same. As an authorised partner of many of the public and private sector banks, the site provides credible information to its users.
Through the ‘Track application’ feature, one can track the application status of credit cards or loans, all at one place.
You just need to enter your application number, mobile number, and date of birth PAN number to get the details in just a few clicks.
The company also offers a BB mobile app, which makes your task even easier. All you need to do is find ‘Track Citibank Credit Card Application’ option, may it be on website or on app and enter the details. You will get the status of your application as soon as you hit the track application button.
Once your application for the Citi credit card is approved, the bank typically takes up to 21 days to dispatch your credit card. You will receive updates from the bank through SMS about your application status. If it’s taking more time than expected and you have received any intimation from the bank for long, you can call Citibank credit card customer care to know the status.
To re-activate your Citibank credit card, submit a request to the bank along with a copy of the identity proof such as PAN card, passport, Aadhaar, Driving’s License, etc., and passport size photograph. Send the letter along with the required documents to Post Box No: 4830, Anna Salai Post Office, Chennai - 600 002.
Alternatively, you can write an e-mail, attach the required documents from your registered e-mail ID to firstname.lastname@example.org.
The bank will review your request once it receives the above-mentioned documents. Re-activation of the credit card account is solely at bank’s discretion and is purely based on its internal policies and procedures.
Ideally, you should wait for 3 to 6 months to apply for a credit card. Also, if low credit score is the reason for your application getting rejected, you need to work on the same to increase it before re-applying for the card.
Credit card applications are evaluated based on different parameters. Some of them include the applicant's income, credit score, repayment track record, credit history and other bank credit cards, etc. Make sure you meet the eligibility on most of the parameters before applying.
You can apply for Citibank credit card by visiting the Citibank website. Alternatively, you can also contact the 24x7 CitiPhone banking services to know the process.