Abu Dhabi Islamic Bank (ADIB) has an extensive range of credit cards that offer numerous features and benefits to users. As an applicant, you can easily complete the process of applying for an ADIB credit card in a few steps with minimal documentation.
After submitting the application, you may want to keep track of your ADIB credit card application status and know how the application is being processed. Whether you apply for a credit card online or offline, there are different channels through which you can check the progress.
Reasons to Check ADIB Credit Card Application Status
Checking your Abu Dhabi Islamic Bank credit card application status is crucial as it can keep you informed about the progress of your application. Apart from giving assurance that everything is moving smoothly, listed below are other possible reasons why you would want to check the ADIB credit card application status –
To know whether your credit card application is approved or rejected
To check if additional documents are required
To know when the ADIB credit card will be issued and delivered to you
To check if there is any issue related to your ADIB credit card application that needs to be addressed
By being aware of your application status, you can wisely manage your finances and make well-informed decisions.
How to Check ADIB Credit Card Application Status Online?
Given below are the online channels that you can use to check your ADIB credit card application status –
Via Mobile Banking
You can easily track your ADIB credit card application status through mobile banking by following these steps -
Download the mobile application of Abu Dhabi Islamic Bank.
Log into your account using your user ID and password.
Locate the ‘credit card’ section on the application.
Look for an option to check the status of your ADIB credit card application or track the status of pending applications.
The status of your application will be displayed on the screen. This message will state whether the application is still being processed, approved, or denied. It would also show the issues that need to be addressed if any.
Via Internet Banking
Here are the steps to check your ADIB credit card application status via online/internet banking -
Sign into your account using the credentials.
Locate the 'Credit Card' option and tap on the credit card you would like to track the status of.
Your ADIB credit card application status will appear on the screen.
Via WhatsApp Banking
Send ‘Hi’ to +971600 543216.
ADIB will send you a welcome message along with an option to register your mobile number.
Enter '1' to register your number with the bank, or type 'Register.'
Key in the ‘OTP’ that has been sent to your number
ADIB will send you a confirmation message on registration.
Your WhatsApp chat banking will be activated.
Enter the required details and see the status of your ADIB credit card application status.
How to Check ADIB Credit Card Application Status Offline?
As an alternative, you can track your ADIB credit card application status offline as well. Listed below are the steps to be followed for the same -
Via SMS Banking
You can activate the ADIB SMS service by following the steps –
Call 600 543216.
Select your language – Arabic or English.
Dial 0 (zero) to speak to one of their customer representatives and ask them about the ADIB credit card application status SMS code.
Via Customer Care
You can also dial 600 543216 and speak to one of the customer care representatives of the bank to find out about the progress of your ADIB credit card application status. The customer care service is available 24/7 to address your queries.
Physical Branch of the Bank
Locate your nearest ADIB branch and visit it during regular business hours.
Inform the customer service representative that you would like to check the ADIB credit card application status.
Provide the representative with the requested details such as your name, registered mobile number, and application reference number (if applicable).
The representative will check the status of your application and inform you about the same.
It is advisable to book an appointment before going to any of the ADIB bank branches across the UAE. The booking form is available on the official website of the bank in the 'Branches and ATMs' section. You can fill up this form with details such as your preferred date and time and visit the bank on the chosen date.
How to Increase the Chances of Getting ADIB Credit Card Application Approved?
While it is important to know how to track your ADIB credit card application status, equally essential is to be acquainted with a few things that can help you improve the chances of getting your ADIB credit card application approved.
Listed below are some of the ways through which you can improve your chances –
Good credit score: Credit score plays a pivotal role in the approval of your ADIB credit card application. With a good credit score, you present yourself as a responsible borrower, which assures lenders that you can easily handle an additional line of credit and make monthly payments on time.
Pay Bills on Time: The same rule as discussed above applies to your telecommunication and utility bills and other credit facilities. Your on-time payments will reflect on your credit report and increase your odds of being approved for an ADIB credit card.
Minimise Credit Applications: It is advisable to check eligibility criteria before randomly applying for any credit facility. Too many hard pulls on your credit file can have negative implications on your file, which ultimately reduces your chance of ADIB credit card approval.
Assess Different Types of Credit Cards: ADIB offers different types of credit cards to meet the requirements of various market segments. Before opting for a specific credit card, you must compare the credit cards on the basis of features, eligibility criteria, and interest/profit amount. This comparison can help you select a credit card that matches your requirements and budget. You can easily compare the best credit cards in one place on Policybazaar UAE.
Lower your Credit Utilisation Ratio: A low credit utilisation ratio is a sign to lenders that you are responsible with credit. Simply put, a low credit utilisation ratio indicates that you are not maxing out your credit cards and keeping your balance low in relation to your credit limits. This shows that you can manage your future credits responsibly without defaulting on a loan. Additionally, the credit utilisation ratio contributes 30% to your credit score, meaning that maintaining a low credit utilisation ratio can also improve your credit score, which further enhances the chances of your ADIB credit card being approved.
List Income Sources: Besides verifying whether you fulfil the minimum income requirement, the bank also looks at your total income from various sources to get an idea of your capability to repay monthly instalments. Thus, listing all your income sources is advisable to increase the chances of your ADIB credit card application approval.
Avoid Frequent Credit Check: It is a misconception that frequently checking credit scores positively impacts your credit score. Every time you check your credit score, your score drops, which can have a negative effect on your credit file over time. For this reason, you should not check your credit score often.
Factors to Consider While Applying for ADIB Credit Card after Rejection
In case you are applying for an ADIB credit card after rejection, keep the following points in mind –
Credit Score and History: A good credit score, as mentioned earlier, indicates a history of paying bills on time and managing your credit responsibly. As an applicant, you would pose a low risk to the lending institution, meaning that they would be more likely to approve your credit card application. Another factor to consider is that a good credit score can also help you get better terms and conditions for your card in terms of the credit limit and the interest rate. Consequently, it is advisable to work on your credit score first before applying for a credit card after rejection.
Compare Credit Cards: If you plan to apply for a credit card after your first application is rejected, one of the crucial things to do is to compare the available options. If you are unable to qualify for the eligibility criteria, the bank will straightaway deny your credit card application. For this reason, make sure to apply for a credit card that you are eligible for and meet the minimum requirements as specified.
Avoid Applying for Multiple Cards: When you apply for a credit card, it leads to a hard enquiry on your credit file. So if you apply for multiple credit cards at a time, the lender will correspondingly pull out your credit report, leading to numerous hard queries. This can drop your credit score significantly and make the approval of your credit card application more difficult.
Cancelling Existing Credit Cards: Cancelling existing credit cards while applying for new ones can harm your credit score. This is because credit card lenders report your credit history to AECB, and one of the factors that go into determining your credit score is the length of your credit history. When you cancel an existing credit card, the length of your credit history is shortened, which can lower your credit score. Furthermore, cancelling a credit card can also adversely impact your credit utilisation ratio. Thus, you should keep your existing credit cards open and in good standing even if you are applying for new ones.
Evaluate your Debt-To-Income Ratio: One of the key parameters assessed by lenders to determine your ability to pay credit card monthly payments is your debt-to-income ratio. Computed by dividing your total debt by your gross monthly income, it indicates how much of your monthly income is going towards paying off debt and how much is available to make payments on your new credit card. A low debt-to-income is preferable, as it indicates that you have a low level of debt and a high income. Thus, you should keep a check on your debt-to-income ratio before applying for a new credit card.
Reach out to the Lender: If your first credit card application is rejected by the bank, you can approach the bank and ask them about the reasons for your credit card application denial and the steps you can take to improve your chances of being approved in the future. The bank can provide you with specific reasons for your credit card application denial such as poor credit history, high debt-to-income ratio, and so on. You can then work on these specific areas to improve your creditworthiness.
Frequently Asked Questions (FAQs)
What are the fees for checking ADIB credit card application status?
You can check your ADIB credit card application status via mobile banking, internet banking, visiting the bank, SMS banking, and more - without paying any fees.
What documents are required to check ADIB credit card application status online?
Along with a few personal details, the application or reference number of your credit card application would be required to keep track of your ADIB credit card application status.
What should I consider before applying for a new ADIB credit card?
Before applying for a new credit card, the foremost thing to keep in mind is that you should only apply for a credit card corresponding to your income and eligibility to decrease the chances of denial.
How do I know if my ADIB credit card application is rejected?
You should regularly check your ADIB credit card application status to know whether your application is accepted or rejected. You can also contact the bank's customer service team and clarify the same.