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Things to Know While Having a Pending Credit Card Application
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Disclaimer: This Article is for information purposes only. The views expressed in this Article do not necessarily constitute the views of Kotak Mahindra Bank Ltd. (“Bank”) or its employees. The Bank makes no warranty of any kind with respect to the completeness or accuracy of the material and articles contained in this Article. The information contained in this Article is sourced from empaneled external experts for the benefit of the customers and it does not constitute legal advice from the Bank. The Bank, its directors, employees and the contributors shall not be responsible or liable for any damage or loss resulting from or arising due to reliance on or use of any information contained herein. Tax laws are subject to amendment from time to time. The above information is for general understanding and reference. This is not legal advice or tax advice, and users are advised to consult their tax advisors before making any decision or taking any action.
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What Does It Mean When A Credit Card Application Is Pending?
As long as you meet the credit card eligibility criteria and your information gets verified, the application decided can be processed quickly. However, you won't always get an instant decision regarding your applications. You need to fill in the required details and provide the necessary documents while applying for a credit card. Sometimes there are reasons that cause delay in the process of your credit card approval. However, there is no need to panic as this can be sorted out quite easily.
Reasons Why Your Credit Card Application Is Pending
There can be very simple explanations as to why your credit card application is pending. Let us have a look at some of them:
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What To Do When Your Credit Card Application Is Pending
If you apply for credit card and find the application pending, then the smartest thing for you to do would be to make sure that you directly get in touch with the issuer and get to know if there are any difficulties that they are facing. If there are issues that need to be sorted out from your end, you can take the necessary measures and help make the process quicker and easier. And if it’s a delay from the bank, you will be updated on that as well.
You're more likely to be approved when you apply for a credit card you're qualified for. It’s best to stick to the credit cards that most fit with your credit profile for the best chances at being approved.
Read more to know about the best practices to increase your chances of credit card approvals here.
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