The following article provides in-depth information on Emirates Islamic Bank auto debit credit card payments via both mobile and online banking methods.
Dubai Islamic Bank (DIB), ranked 11th amongst the top 150 Arab Banks in the Middle East, offers various Islamic credit cards in the UAE that adhere to the Shariah principles. DIB credit cards provide a range of benefits and features, including interest-free credit, cashback, rewards, and more. You can easily apply for DIB credit cards with minimal documentation on its official website or via Policybazaar UAE.
Once you submit the DIB credit card application, you can keep track of your application and find out how it has been progressing. Being a digital bank, you can quickly check the DIB credit card application status via different channels, including mobile banking, online banking, and more.
As you read the article below, you will discover the ways through which you can check your Dubai Islamic Bank credit card application status, the steps to improve the chances of getting your DIB credit card application approved, and more.
Keeping a tap on your Dubai Islamic Bank credit card application status can help you know how your Dubai Islamic Bank credit card application is moving ahead. It can also assist you in finding out whether your application is approved or rejected.
Some of the other reasons to check Dubai Islamic Bank credit card application status are listed below –
You can check your Dubai Islamic Bank credit card application status through any of the following channels mentioned below –
Dubai Islamic Bank offers a mobile banking facility that allows you, as a user, to manage your account and finances from anywhere at any time. You can perform a plethora of services via mobile banking, with checking the DIB credit card application status being one among them. The DIB mobile banking application is compatible with Android and iPhone devices and can be easily accessed from the Apple App Store or the Google Play Store.
Follow these steps to check your DIB credit card application status –
With just a stable internet connection, you can use the Dubai Islamic Bank online banking facility to perform a variety of transactions. It is secure and easy to use, providing you with a convenient and efficient way to handle your finances anytime from the comfort of your home or office.
To access the online banking service to check your DIB credit card application status, follow the given steps –
You can also avail of the Dubai Islamic Bank WhatsApp banking facility and get an update on your DIB credit card application status. This feature is easily accessible and uses end-to-end encryption to protect your information. The live chat service and agents are available from 8:00 am to 5:00 pm, Monday to Saturday (excluding Sundays and public holidays).
Here are the steps to subscribe to the WhatsApp banking feature and check your DIB credit card application status –
Once you have subscribed to WhatsApp banking, you can easily use the chatbot feature and get a quick update on your DIB credit card application status.
As an alternative to the above methods, you can use any of the multiple DIB offline platforms listed below –
You can register for SMS banking through online, mobile, or express banking terminals and get real-time updates on your DIB credit card application status. Alternatively, you can visit your nearest DIB branch by filling out an electronic banking service registration service form.
All DIB customers can apply for the phone banking service at their nearest DIB branch, through Al Islami Online Banking, Al Islami Phone Banking, or at an Express banking terminal. The provision of phone banking allows you to access your credit card information, which includes getting updates on your DIB credit card application status using the Interactive Voice Response (IVR) system. By using your T-PIN or connecting to a banking agent, you can get detailed information about your credit card status.
For easy access to your DIB credit card application status, follow the measures given below –
You can always visit your nearest DIB branch and ask a bank representative about your DIB credit card application status.
If you are planning to apply for a Dubai Islamic Bank credit card, here are tips to increase your chances of getting your DIB credit card application approved –
When you apply for a credit card, it is essential to take your time to select an appropriate credit card to apply for one rather than wasting your time applying for cards that you are not eligible for.
Applying for multiple cards at once can hamper your credit score, which can make the approval of your DIB credit card application considerably difficult.
As credit score is a key factor considered by banks to evaluate your eligibility, make sure to know your aecb credit score before applying for a credit card. If you have a good credit score (above 750), you can apply for the card straightaway provided you meet all other eligibility standards. If your score is low, however, you should work on it before applying for a DIB credit card.
The benefits of a good credit score are plenty - apart from fulfilling the eligibility criteria, it can also help you get better terms and conditions for your card in terms of the interest/profit rate and credit limit.
Another factor to keep in mind to fast-track your credit card application process is utility bills or EMI payments. Paying your EMIs and utility bills on time each month contributes to improving your credit history, which, subsequently, improves your credit score as well.
To make the process hassle-free, you can enable automatic payments (at least for the minimum payment due) to avoid missing payments and getting hit with late fees and credit score reductions.
It is advisable to create a diverse set of credit – a few different kinds of loans and cards - to have a good mix of credit history. This can help improve your picture as a borrower and indicate that you have the capability to handle multiple kinds of credit. With all these factors, you will be deemed a reliable credit card applicant, which would make the approval of your DIB credit card application easy.
Potential borrowers with an extended credit history are more likely to be approved for DIB credit card applications than those with a short or no history. This is because a long history shows that you are credible and that the chance of defaulting on the payments is low. Moreover, it will also contribute to your credit score and, thus, enhance your overall profile.
Watching out for your credit utilisation ratio is one of the major steps to do before applying for a DIB credit card. You should aim to decrease your credit utilisation ratio by not maxing out your credit cards and keeping your low balances in terms of your credit limits. A low credit utilisation ratio shows that you are managing your cards wisely, meaning that the probability of defaulting on payments is low.
When considering your application for a credit card, the bank also looks at your total income. Listing all your income sources in the credit card application is recommended to show that you have sufficient total income to make monthly repayments on time. This would also increase the chances of your DIB credit card application approval.
If your DIB credit card application is denied and you are re-considering applying for the DIB credit card, here are a few things that you should keep in mind –
You won’t need any documents while checking your Dubai Islamic Bank credit card application online. However, if you opt for any offline method, you should have an application reference number and a few personal details, and more.
You can check the status of your DIB credit card application and know the real-time updates. In case your application is rejected, you will be notified by SMS or email.
If you want to cancel your Dubai Islamic Bank credit card application after submission, you can approach the bank and share your concerns with the team.
Keeping track of your Dubai Islamic Bank credit card application status can be beneficial, as you can stay aware of the progress and check whether any additional details or documents are required in the application process.