American Express Bank, mostly known as Amex, provides a varied range of credit cards catering for the fields of travel, shopping, entertainment, etc. It allows users to raise their spending power and enjoy travel, dining, shopping benefits, and many more. It gives 24*7 assistance to cardholders, with the help of which users can view and manage their credit card account anywhere and at any time through their online account or via the Amex app.
If immediate approval is not received, the American Express Credit Card application can become stressful. On the other hand, applicants have different options to check their credit card application status. If there is no status update like approval or denial, the card issuer is then required to review some information to help in decision-making.
Different Modes to Check American Express Credit Card Application Status
Mentioned below are the different modes to check the American Express Credit Card Application Status:
- Online Mode
Step 1: Visit the website www.americanexpressindia.co.in/apptracker and then click “American Express application tracker”.
Step 2: Now, provide the details required, like the Application Reference Number, along with the registered mobile number.
Step 3: Now, click “Submit”, and the Amex Card application status can then be seen on the screen.
- Offline Mode
- By Visiting the Branch
Step 1: Visit any nearest branch of American Express Bank.
Step 2: Ask the bank representative about the status of your American Express credit card.
Step 3: Before that, you are required to hand over some important documents like PAN cards, identity documents, etc.
Step 4: After a few minutes, an update regarding the status of your credit card application will be received.
- By Calling Customer Care
Step 1: Call the Amex customer care by calling at 1800-419-3646 or +91124-2801800
Step 2: You can then request the executive to share the application status of your card.
Step 3: To get the status check, you are required to provide some details, like the Application Registration Number or Form Number.
Step 4: If you are not satisfied with the reply, you can write an email to [email protected].
Time Taken to Process American Express Credit Card Application
It hardly takes 10 minutes to complete the process of the American Express Credit Card application, especially when you have all the required information readily available. Below are the details required to be submitted along with the American Express credit card application:
- Name of the Applicant
- Date of Birth of the Applicant
- Current Residential Address of the Applicant
- E-Mail ID of the Applicant
- Contact Number of the Applicant
- Annual Income of the Applicant
- Other Income, if any
- Details of Employment of the Applicant
In case an applicant has applied for a personal credit card, American Express Bank will perform a decent credit enquiry and will then inform whether the application has been approved or not, which usually takes 60 seconds. Then, a hard copy of the inquiry will be provided to you along with the credit limit mentioned in it.
Types of American Express Bank Credit Card Application Status
Mentioned below are the different types of American Express Credit Card Application Status:
| American Express Bank Credit Card Status | Meaning |
|---|---|
| In Progress | This status is reflected when the Amex Bank credit card application is under the bank’s review, and the final decision is pending. |
| On Hold | This status is reflected when more information is required to evaluate the application for the Amex Bank credit card. This result is shown when there are discrepancies in the information. |
| Approved | This status is reflected when the Amex Bank credit card application gets duly approved by the bank and the bank starts the process of dispatching it. |
| Dispatched | This status is reflected when the credit card has been couriered to your registered address. Also, one can track the shipment, which can help to estimate the delivery date. |
| Rejected | This status is reflected when the bank does not approve the credit card application during the review. |
| No Records Found | This status, ‘No record found,’ is reflected when the information you entered is incorrect. In that case, refresh the page and enter the correct details. |
How to Cancel an Amex Application?
The credit card applications of America Express Bank take very little time to process, and it is virtually not possible to cancel the same in case it’s been done online. If the Amex card is applied over the phone, in that case it can be cancelled before the Amex bank representative takes it for underwriting.
When the American Express Personal credit card is applied for, the application can be submitted without a strict credit check. In case you change your mind and want to cancel the application of your card, it can simply be declined without leaving any impact on your credit score.
Reasons for Not Getting an Immediate Approval
- You may have applied multiple times.
In the case of travel reward credit cards, this is the most common problem, i.e., the 5/24 rule. Also, there is a maximum capping to the number of cards one can have.
- You already have taken a lot of credit.
In case you already possess a couple of Amex cards with you, leading to the maximum credit limit that can be extended.
- You applied for a small business card.
Little but more complicated credit card applications might require some additional information to be provided to the Amex bank to confirm the details of the business.
- There is a mistake in the application.
It can be delayed either due to a typo or an unintentional error.
- The history with Amex is not so good.
In case the credit history is not so good, you should try to improvise the same before re-applying for the card.
Conclusion
Applying for an Amex card could be fun but stressful altogether in case instant approval is not received. But the good part is that the application status can be checked, whether online or via call. Not getting instant approval doesn’t necessarily mean that the application is declined automatically.
