Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
For easily tracking your credit card application status for Indian Overseas Bank, you can visit the bank's website. Tracking is also possible via the mobile app of the bank. Here are some ways can track the application status of your credit card.
| In-progress | When the bank is still processing the application, you will get the status as ‘In progress’. |
| On-hold | If for any reasons, the bank has kept your application on hold, you will receive ‘On-hold’ status. The reasons could be incomplete documentation or details. In any case, if the bank requires further details or documents from you, the concerned department will call you asking for the same. Once the gaps are filled the credit card processing resumes. |
| Approved | You will find the ‘Approved’ status, once your application is approved. You will soon receive your card to the address mentioned in the application. |
| Dispatched | Once your Indian Overseas Bank Credit Card is dispatched, your status will tell the same. You can expect the card in 2-3 working days once you receive a message saying that your card has been dispatched. Make yourself available at your mailing address as the card will be handed over only to the applicant. |
| Disapproved | A ‘Disapproved’ status says your application has been rejected as you failed to meet the eligibility criteria set by the bank. Ideally, you should receive the same message as SMS, saying your application has been rejected, without mentioning the reason. |
| No records found | If you enter incorrect details, the system will come back with a ‘No records found’ status. Re-enter the correct details to get the status right. |
You can check the balance on your credit card by visiting any branch of the bank. You can also check your balance via the ATM, phone banking or SMS alerts.
You can reach the Indian Overseas Bank credit card customer care at 1800 425 4445.
The minimum card limit is Rs.10,000 and the maximum credit limit is Rs.5 lakh.
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