How Do I Check My Credit Card Status
While the process to check credit card application status could vary across banks and issuers, there is a common procedure followed by most. Here are the details of the same:
Steps to check credit card status online
Banks and card issuers provide convenience to applicants by allowing them to check their credit card application status online. A card applicant can easily check the credit card status by following the steps mentioned below. These steps may be applicable to most of the banks in India. However, some issuers may follow a different process for the same.
- Visit the banks official website where the credit card application was originally made
- Look for track application status or check application status on the website. It should be available under the credit card tab.
- Provide the details required for tracking application status before submitting a request.
- The website will share the credit card status once all the required information is entered.
Steps to check credit card application status offline
You can also use the offline mode for checking your credit card application status. Some common ways to check it offline are:
Through Customer Care
You can call on the banks customer care number to check the application status
The customer support representative will seek an application/reference number to check the status and revert back
Some banks also have the facility of a dedicated customer care number for credit cards
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How Do I Replace A Lost Credit Card
When you report your card as lost or stolen to the issuer’s representative, they will arrange for a new card to be sent to you. Most times, you’ll receive a replacement in 3-5 business days but this time frame can vary depending on your bank or credit issuer. Although it can depend on your issuer, this is usually the process of how to get a new credit card.
You may not always be given the option to expedite the replacement process: it takes time for the new card to be printed with your personal information. Once you receive your replacement:
- Update any linked accounts. If your old card number was saved with merchants for recurring charges-such as streaming subscriptions or utility bills — you will need to provide those merchants with your new card information.
- Check your next statement closely. When you receive your next card statement, look closely at any unauthorized charges made around the time your old card was lost. Report these unauthorized charges to your card issuer as soon as possible to limit your liability.
- Safeguard your new credit card information. Follow privacy best practices with your new card: Sign the back of the card, don’t write the card number down and only use the card with merchants you trust.
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The National Bank Mycredit Mastercard
Annual fee: None
The National Bank mycredit Mastercard is not well-known by the general public but it offers great advantages! It is ideal for consumers who are not familiar with credit cards and who do not want to pay high annual fees. In fact, there is no cost involved with this card. This is quite surprising since it offers some interesting insurances in addition to allowing cardholders to obtain cash back.
Moreover, the National Bank is known for its exceptional customer service! So, if this is your first credit card application, you will be able to get the assistance you expect. The interest rate for purchases is 20.99% and the interest rate for cash advances and balance transfers is 22.49%.
As mentioned, the mycredit Mastercard allows cardholders to earn cash back on purchases. There are two different cash back rates that vary based on different categories. First, on restaurant expenses and pre-authorized payments on the account, the rebate rate is 1%. So, if you spend $200 in a month, youll get $2 back.
Secondly, on grocery bills and online purchases, the rebate rate is 0.5%. If you spend $500 in a month on these categories, youll get $2.50 back. To find out your exact rebate based on your spending habits, we invite you to use our credit card comparator.
How To Track Credit Card Status Of Top Card Issuers In India
To help you track credit card status, we have comprised a list of top-performing banks in India.
HDFC credit card status
- To know HDFC credit card status, applicants can visit the banks credit card website
- Provide the application reference number or date of birth
- Provide the registered mobile number or number given at the time of application
- After entering the Captcha, click on submit on the form
SBI credit card status
- To check the credit card status of SBI credit cards, applicants can visit the banks website
- Within the Track your application section, one can select Check the status of your application
- Enter application number or other reference number provided at the time of application
ICICI credit card status
- To check ICICI credit card application status, applicants must visit the banks website and credit card section under it
- If the absence of an application number, the bank requests for further authentication through the applicants mobile number, date of birth and OTP
- Once the details are provided, click on Continue to check the status
Amex credit card status
- To check American Express credit card application status, visit the issuers official website
- Enter the registered mobile number or 14 digit application reference number
- After entering, submit the status check option in the form
Axis credit card status
Citibank credit card status
RBL Bank credit card status
Standard Chartered credit card status
Kotak credit card status
YES bank credit card status
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Opensky Secured Visa Credit Card
This credit card has two excellent perks that can be decisive when choosing a credit-building card: you do not need a bank account to apply, and there is no credit check during the application process. So, even though there is an annual fee and other fees, this credit card can be a good choice for those who dont have a bank account.
If Your Debit Card Is Lost Or Stolen
The process for reporting your lost or stolen debit card is essentially the same as with a credit card. However, a stolen debit card is particularly risky because its directly linked to your bank account.
That means your money is on the line as soon as a charge is made with your debit card. Fraudulent charges on your debit card will hit home a little harder than with a line of credit.
Also, holding off on reporting your lost or stolen debit card puts you at greater liability for any fraudulent purchases. That can make it even harder to get your money back or the transactions cancelled.
Theres no way to physically track your debit or credit cards, and the smart chips cant do it for you. You could try apps or other tracking devices, but only if you are comfortable giving up more privacy.
If youre looking for ways to protect your card number from fraud use your EMV chip for purchases as much as possible, use a credit card instead of debit when you can, and always report lost or stolen cards immediately.
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Changing Your Billing Address With Each Issuer
Changing your billing address with your credit card issuer is a simple process of either logging into your online banking/credit card account or calling the customer service line for assistance. Once youre logged into your account, navigate to account settings or contact information to check and change your billing address.
What To Do If You Lose Your Credit Card
If you’ve lost your credit card, your issuer may allow you first to lock your card online or through your mobile app. While you’ve locked your card, any transaction on the card will not go through. Once you find your credit card, you can simply unlock your card and continue to use it as usual.
Your next step should be to search your card and examine your statement for fraudulent charges. If you see fraudulent charges on your card or still can’t find your card after searching everywhere, . Be prepared to provide your billing address or Social Security number to verify your identity and confirm your last known transaction. Then, the bank will deactivate your old card and mail you a new credit card with a new account number. This replacement process won’t entirely shut down your account and will have no impact on your credit history.
We’ve compiled a list of customer service phone numbers and lost card resources for common U.S. credit card issuers. If your issuer isn’t on this list, you can find information on how to report your card as lost or stolen on the bank’s website or on the back of your card. If you’ve lost your card while traveling internationally, check out the next section to find the right phone number to contact.
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Checking Your Credit Card Statement
What Is A Phishing Scam
A phishing scam is when a scammer attempts to trick you into giving personal information using email or text messages. Scammers may attempt to get account passwords, CVV codes, card numbers, expiration dates, Social Security numbers, and other private information. Many phishing scam emails are convincing. If a company appears to have emailed you a link that requires you to enter your account information, don’t click the link. Instead, visit the company’s website directly or contact the company. Don’t call any phone numbers included in the email.
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How To Find A Lost Debit Card In Your House
The best way to find a lost debit card in your house is to look around. Begin by checking your wallet or any other place in the house where you put your cards. Its also possible that it fell somewhere on the floor, under your bed, in your garage, or between the cushions on the couch. Make sure to check all these places.
What if you searched around and lost your debit card in your house?
Contact your bank immediately. If you need more time to search, ask the bank to deactivate the card temporarily. This will ensure that your money is safe as you search around the next few days.
If you dont have any hopes of finding the card anymore, ask the bank to cancel the card and mail you a new one. If you check online or via your banks mobile app to find that fraudulent payments have already been charged on the card, follow the steps above to resolve the issue with your card issuer.
Tips To Prevent Credit Card Fraud
Remember these tips when using your credit card in public places or at places of business:
- keep your credit card in a safe place
- limit the number of credit cards you carry with you
- cover the keypad with your hand or body when entering your PIN so no one can see it
- keep your credit card in sight at all times when making a purchase
- report anything you think is suspicious about a credit card device at a business or ATM to the businesss head office and your credit card issuer
Protect yourself from credit card fraud at home by doing the following:
- lock your mailbox if you can to prevent someone from stealing your credit card statements or replacement cards
- sign the back of a new credit card immediately after you get it
- destroy old credit cards that are no longer valid by cutting them up
- keep your credit card statements in a safe place
- shred credit card statements when you no longer need them
When banking or shopping online, look for websites with addresses starting with https or ones that have a padlock image on the address bar. These are signs that your information will be secure.
Protect yourself from credit card fraud online by also doing the following:
Over the telephone
Legitimate credit card companies dont ask for personal information over the phone. Use the telephone number found on the back of your card when you want to contact your credit card issuer.
Protect yourself from credit card fraud when on the telephone by also doing the following:
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What Could Happen To The Cardholder
Say someone else found the lost credit card before you did, used it to make purchases, then tossed it so they wouldn’t be caught with it. Legally, a cardholder can be responsible for up to $50 of purchases made on a lost credit card depending on how long it takes the cardholder to report the missing credit card.
On the other hand, if a cardholder has lost their debit card , they could lose all the money taken from their account. This may happen if it takes the cardholder some time to notice the card is missing and report it to the bank.
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Your annual fee for the primary card and for each additional card shown in the âStatement Basicsâ section, is charged on the first day of the month following your account opening then annually on the first day of that same month.
The amount available to spend on your credit card, less all authorized and posted transactions.
We calculate your available credit by deducting from your credit limit the outstanding balance on your credit card account including cash advances, installments not yet due, and any purchases we have authorized but not yet posted to your account. As you make new cash advances, purchases or incur new fees or interest on your account, the amount of available credit for you to use will decrease. As you make payments or receive credits, your available credit will increase.
You can use the available credit on your RBC credit card to pay the balance of a non-RBC credit card, or to pay any bill. You can also transfer funds from your available credit to your RBC banking account.
A balance transfer is treated the same way as a cash advance. The cash advance interest rate is charged starting on the day when the balance transfer has been processed on your account, until you have paid off the full amount of the balance transfer.
RBC BalanceProtector® Insurance
For more information about your RBC BalanceProtector insurance, please see your Certificate of Insurance or call Assurant at 1-888-896-2766
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How Do I Retrieve My Credit Card Pin Number
The process for retrieving a lost or forgotten PIN for your credit card depends on the exact card in question, since each company has its own process for dealing with PIN numbers. Generally, to retrieve or change your PIN, go to your online account, contact the issuing institution or call the cards customer service. Expect to answer security questions to verify your identity as the authorized cardholder.
Some credit cards will allow you to retrieve or reset your PIN directly from your online access account. In most cases, your number will be sent to your email or to a pre-set mobile phone number to make sure you are the authorized cardholder.
If you got the credit card through a third-party bank or credit union, contact that institution or visit in-person to discuss the retrieval of your PIN number. Expect to answer questions to establish your identity, as well as provide the card number and the security code that is on the back.
Each card should have a customer service number on the back. This number is generally located just above or just below the magnetic security strip. If you have tried other options and they have not worked, contact the credit card company directly regarding their PIN reset process. They may not be able to do it for you, but they can point you in the right direction.