Emirates Islamic Bank Credit Card Application Status

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Emirates Islamic Bank is one of the four popular Islamic banks in Dubai, offering its customers a wide range of banking and financial products compliant with Islamic banking principles. With a focus on providing exceptional customer service, it has established a strong reputation as a trusted provider of credit cards as well. Emirates Islamic credit cards come with myriad benefits and rewards such as cashback on purchases, discounts on dining & entertainment, and more.

Applying for an Emirates Islamic Bank credit card is a straightforward process. With a few clicks, details, and documents, you can complete the application process in a hassle-free way. Once you submit your application, however, you may want to keep track of its status to get real-time updates on how it is progressing and if any queries need to be addressed. 

Reasons to Check Emirates Islamic Bank Credit Card Application Status

After submitting your Emirates Islamic Bank credit card application, it is essential to keep an eye on its status to know how it is moving ahead and when you can use it. Apart from giving assurance that everything is moving smoothly, it is also helpful for the following reasons – 

  • To track the processing time of your application and ensure that it is not taking longer than expected
  • To confirm that your application has been received and is being processed
  • To know if your application has been approved or rejected
  • To know the reason for rejection, if applicable, and address any issues to increase your chances of approval
  • To plan for the use of your credit card once it is approved
  • To avoid uncertainty and confusion regarding the status of your application
  • To avoid potential fraudulent activity on your credit card account

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How to Check Emirates Islamic Bank Credit Card Application Status Online?

You can check your Emirates Islamic Bank credit card application status in several ways. In this section, we will discuss online channels like mobile banking and online banking. 

Via Online Banking

Emirates Islamic Bank has excellent digital channels and facilities, with Emirates Islamic online banking being one among them. You can use the online banking portal on your mobile, desktop, or tablet and manage your account from anywhere. A notable benefit of using online banking to check Emirates Islamic Bank credit card application status is that you can use it anytime and not only within the specified banking hours.

Follow the steps below to track the Emirates Islamic Bank credit card application status via the online banking portal – 

  • To use the online banking facility, you must have a username and password. In case you don't have the credentials, you can register for it online or by calling or visiting the bank.
  • Once you have the credentials, visit the online banking portal on the official website or online banking application. 
  • Provide your username and password to sign into your account.
  • After logging into your account, navigate to the credit cards section followed by the application status.
  • Click on the appropriate option to have the Emirates Islamic Bank credit card application status displayed on the screen.

Via Mobile Banking

Another popular digital platform of Emirates Islamic Bank is its mobile banking application. Whatever device you have, the Emirates Islamic mobile application allows you to bank anytime at any place without any hassles. Mobile banking credentials shall be the same as for its online banking platform. 

To track your Emirates Islamic Bank credit card application status, follow these steps – 

  • Download the Emirates Islamic Bank mobile application on your device. The app is available for both Android and iPhone users.
  • Once the application is downloaded, log into your account using the credentials.
  • Locate the option of 'Credit Card' followed by 'Application Status'.
  • The results would be flashed on your screen.

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How to Check Emirates Islamic Bank Credit Card Application Status Offline?

As an alternative to the online methods, you can always switch to the offline modes to track the Emirates Islamic Bank credit card application status. Let's discuss the two offline methods – Phoning and Visiting the Branch.

Interactive Voice Response (IVR)

Emirates Islamic Bank has modified its IVR menu to enhance customer satisfaction. The bank provides round-the-clock customer service and has a team of agents available to assist you in different languages, including English, Arabic, Urdu, and Hindi. You can call 600 599 995, connect with an agent, and get real-time updates on your Emirates Islamic Bank credit card application status.

Visiting Emirates Islamic Bank Branch

You can also visit your nearest Emirates Islamic branch and connect with a representative to know more about the Emirates Islamic Bank credit card application status.

For your convenience, Emirates Islamic Bank has introduced a branch queuing ticket service so that you can pre-book your appointment and avoid queues. This facility is available on the Emirates Islamic mobile banking application. 

Given below are the steps to be followed to issue branch queuing tickets - 

  • Log into the mobile banking application using the credentials.
  • Go to the 'Services’ option and tap on the 'Get Queuing ticket.'
  • Choose the branch and click on the button 'Get Queuing Ticket.'
  • Select the 'Products and Services’ button to learn about the Emirates NBD credit card application status.
  • You will get your queuing ticket and can visit the bank.

How to Increase the Chances of Getting Emirates Islamic Bank Credit Card Application Approved?

While tracking the Emirates Islamic Bank credit card application status is essential, it is also important to know how you can improve the chances of getting approval. 

Listed below are the ways through which you can increase the chances of getting your Emirates Islamic Bank credit card application approved – 

  • Good credit Score: A high credit score, say, above 750 is an indicator of your creditworthiness and financial responsibility. When the concerned bank evaluates your credit card application, they will look at your credit report and credit score to assess the likelihood of timely payments in the future. Having a good credit score increases the chances of a credit card application being approved, as it makes the applicant more attractive to a credit card issuer.
  • Paying Bills on Time:  A good track record of paying bills on time shows that you are creditworthy and unlikely to default on your repayments. However, late or missed payments can negatively impact your credit score and indicate to the issuers that you are unreliable and may struggle to repay your debts. Paying bills on time is an essential aspect of building and maintaining a good credit score, which can definitely improve the chances of being approved.
  • Low Credit Utilisation Ratio: A low credit utilisation ratio indicates that you are managing your finances responsibly, making you a more attractive candidate for the credit card issuer. On the other hand, a high credit utilisation ratio shows that you are using only a major portion of the available credit, indicating that you are under financial stress or mismanaging your funds. Thus, maintaining a low credit utilisation ratio is a good idea to increase the chances of your credit card application approval.
  • Longer Credit History: It is advisable to keep a more extended credit history as it improves your credit file and the chances of your credit card application being approved. A long credit history demonstrates a track record of responsible credit use and shows that you have the capability to manage credit over time. This will also help you to get a higher credit limit and favourable terms on your credit card.
  • Maintain a Healthy Mix of Credit: A healthy mix of credit refers to various credit types in your credit history including credit cards, mortgages loans, personal loans, and more. It is recommended to have a well-rounded credit mix to increase the chances of your application being approved. A limited credit mix, on the other hand, indicates that you are a new or inexperienced credit user, which can make you a higher risk for the credit card issuer. 

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Factors to Consider While Applying for an Emirates Islamic Credit Card After Rejection

If you are re-applying for a credit card after rejection, keep the following points in mind to avoid denials again – 

  • Compare Different Types of Credit Cards: Before applying for a credit card, it is essential to compare all the credit cards available in the UAE as per their features, rewards, eligibility criteria, interest/profit rates, and more. The best platform to compare credit cards is Policybazaar UAE, where you can compare the options and make an appropriate choice suiting your financial requirements. Before applying for the card, it is essential to check the eligibility standards and see whether you fit it or not. In case you do not qualify for the criteria, it is advisable not to apply for the said credit card as it will straightaway lead to denial of your card, which would impact your credit file too.
  • Don’t Cancel Your Existing Credit Card: Cancelling a credit card can shorten the length of your credit history and decrease the amount of available credit, which can lower your credit score. A lower credit score can indicate to credit card issuers that you are not a responsible borrower, as you may have a history of missed or late payments or have used a large portion of your available credit. This can result in a lower likelihood of approval for a credit card application or a lower credit limit. Thus, cancelling an existing credit card can have a negative impact on your credit score and make it more challenging to get approved for a new credit card.
  • Don’t Apply for Multiple Cards: When you apply for multiple credit cards at once, each lender will pull your credit score to check your eligibility which can hamper your credit score. Moreover, applying for numerous credit cards indicates that you are in dire need of credit and are likely to default on credit card repayments. Consequently, you should first understand your requirements, explore the credit cards available, and check the eligibility criteria before applying for the credit card.
  • List All Income Sources: Another key thing to remember is to list all your income sources in your credit card application. This can demonstrate that you have sufficient total income to make monthly repayments on time and increase the chances of your credit card application approval.

FAQs

How can I know if my Emirates Islamic Bank credit card application is approved or rejected?

To know how your Emirates Islamic Bank credit card application is progressing, you can check your Emirates Islamic Bank credit card application status online or offline.

What documents and information are required to track the Emirates Islamic Bank credit card application status?

You don't need specific documents to track your Emirates Islamic Bank credit card application status. You just need your online or mobile banking username and password for online channels. If you are checking the status offline, your identity proof and application reference number may be required.

Is there any option for editing my Emirates Islamic Bank credit card application after its submission?

While you can reach out to the concerned bank and enquire about the process, banks generally do not provide the editing option once the application is submitted.

Why is it necessary to track my Emirates Islamic Bank credit card application status?

You can check your Emirates Islamic Bank credit card application status to confirm that your application has been received and is being processed, know the delivery date, and more.

How can I check my Emirates Islamic Bank credit card application status?

You can check your Emirates Islamic Bank credit card application status online and offline. Online platforms include mobile banking & online banking, while offline platforms include phone banking and visiting Emirates Islamic branches. 

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