How to Check Emirates NBD Credit Card Application Status

Emirates NBD is recognised for providing world-class banking services to UAE citizens. Similar to its other financial services, the Emirates NBD credit card provides excellent discounts and rewards to customers. However, although a straightforward process, the Emirates NBD credit card application involves numerous steps right from filling out the form to credit card delivery. To ensure all the steps and processes are carried out smoothly, you need to stay updated with Emirates NBD credit card application status.

As part of its transparent services, Emirates NBD intimates the applicants throughout the credit card application process and keeps them updated with all the requirements through mail and SMS. Still, if you wish to know your credit card application status, you can reach out to the bank through online and offline modes and request the same as an applicant. 

The article below lists various ways to check Emirates NBD credit card application status.  

Ways to Check Emirates NBD Credit Card Application Status

Emirates NBD offers both online and offline channels that allow you to check your credit card application status at your convenience. You can log in to the official website of the bank or visit a nearby branch in person. Keep your credit card application number and your personal identity handy while checking the application status, as the bank requires these two pieces of information to retrieve your credit card status. Some common ways to check to know your Emirates NBD credit card application status are given below. 

• Check Emirates NBD Credit Card Application Status Online
• Check Emirates NBD Credit Card Application Status Offline

Check Emirates NBD Credit Card Application Status Online

As already mentioned, the bank provides online channels to check Emirates NBD credit card application status. You can use the official portal or the Emirates NBD mobile banking application to conveniently check the status of your credit card application. As soon as you submit your application form, you get a reference number (application number). While checking your application status you need to enter the form details and follow the instructions. The following are the steps to know your Emirates NBD credit card application status online. 

Checking Credit Card Application Status via Official Website

To check the status of your Emirates NBD credit card through the official website, follow the below steps. 

• Log in to the Emirates NBD official website and navigate to the credit card section.
• Search for the ‘track application’ option.
• You will be redirected to an online application form asking for your credit card application number and contact information.
• Enter the details and submit the form.

The portal will display the current status of your Emirates NBD credit card application. Alternatively, you can also log in to your bank account and choose the credit card option to know your application status. You can follow the steps mentioned below. 

• Log into your bank account and navigate to the credit card section.
• Under that section, you can view the list of applied credit cards and the cards you own.
• Click on any of the listed cards to fetch the status.

Checking Credit Card Application Status via Emirates NBD Mobile App

You can also use the Emirates NBD mobile app to check your credit card application status, similar to checking through the official portal. Follow the steps mentioned below to check Emirates NBD credit card application status via mobile app. 

• Download the Emirates NBD mobile application from the Play Store or the App Store.
• Register on the app as per the instructions and create your login ID and password.
• Subsequently, log into your account and scroll to the credit card section.
• You can find the list of credit cards you hold or recently applied for.
• Tap on the credit card to know the application status and other details.

Check Emirates NBD Credit Card Application Status Offline

Besides the online methods, you can also check your Emirates NBD credit card application status through various offline means like visiting the bank branch, contacting customer support, etc. Here are a few ways to know your Emirates NBD credit card application status offline. 

Visit the Bank Branch 

In case it is convenient for you to visit a nearby Emirates NBD bank, you can check your credit card application by requesting a bank representative. You will be required to provide your credit card application details like your application number or reference number, personal ID, and your contact number. Once you furnish these details, the representative will provide you with the current status of your credit card and related details. 

Contact the Emirates NBD Customer Support 

As an alternative, you can also contact the bank’s customer support and request your current credit card application status. Again, you need to provide your application number, personal ID details, and contact details to the support representative for identity verification over the call. Once your identity is verified, the representative will inform you regarding the details of active credit card applications along with their status.  

Use the Banks IVRS Service 

Emirates NBD provides customer support through IVR services. You can contact the bank through the IVR number mentioned on the official website. Follow the instructions and register your query for Emirates NBD credit card application status. The system will intimate you of your current application status over the phone or through SMS. 

How to Increase the Chances of Emirates NBD Credit Card Approval?

If you manage your finances and debts responsibly and maintain a good credit score, you can usually get a new credit card approved without hassles. However, several other factors are also involved that can affect the approval of your card. In case you are struggling to get your credit card approved, here are a few things you can do. 

• Pay Your Bills on Time - Making your repayments on time helps you keep a good credit score and improves the chances of credit card approvals. It also demonstrates to the bank that you can handle your dues responsibly, meaning a lower risk to the bank. Whether it's a credit card or utility bills, pay your dues on time and ensure easy approval of your credit card.
• Maintain Low Debt to Income Ratio (DTI) - A debt to income ratio shows the portion of your salary going into clearing your active debts. As a low DTI portrays you as a good borrower, the banks can easily grant you loans and credit cards. However, if you have a high debt to income ratio, you possess a greater risk to the bank that may lead to credit card application rejection. 
• Built a healthy Credit History - You need to have a credit history to get your credit card approved, as it is easier for the banks to determine the risk you carry based on your credit history. With a healthy credit history, you can obtain a credit card from Emirates NBD bank without any inconvenience. This is also the reason why first-time applicants may find it hard to apply for a credit card because they don’t have a credit history. However, one should keep in mind that the bank may approve or reject their application based on other factors. 
• Check Your Credit Report Regularly - Going through your credit report regularly is considered a healthy financial habit. The major benefit here is that it lets you determine where you stand in terms of credit status before applying for a credit card, all while giving you a rough idea of how likely the bank can approve your credit card. Additionally, you can also rectify any discrepancies and errors in your report and increase your credit score prior to a credit card application. 
• Pay your Debts as Early As Possible - Active debts are one of the most significant reasons for credit card application rejection. Consequently, if you have any active debts, it is advisable to repay and close them as early as possible. The advantage is great, as when you apply for a credit card without any active debts, the chances of credit card approval increase considerably.     

What are the Chances of Your Approval for a Credit Card?

Factors to Consider When Applying for Emirates NBD Credit Card After Rejection

The bank can reject your credit card application due to several reasons some of which are mentioned below. 

• Unstable work history
• Low monthly income
• Multiple applications at the same time
• Insufficient credit history

If your application gets rejected and you know the reason for rejection, you don’t need to take stress as you can easily work on improving your financial performance to take the bank in confidence to provide you with a credit card. Here are a few things you can do when applying for an Emirates NBD credit card after rejection. 

• Go Through the Adverse Action Letter - In most cases, the bank sends the reason for credit card application rejection through an adverse action letter. Once you know the main factor that caused your application rejection, you can take necessary actions to increase your chances of credit card approval. For instance, if your application is rejected due to a low credit score, you can work on improving your score through timely bill payments and closing your dues. Moreover, you should go through your credit report and verify if the report is accurate or not, as you always have the chance for rectification by reaching out to the credit bureau.  
• Ensure You Don’t Apply for Multiple Cards – While getting rejected by a bank may prompt you to apply for multiple credit cards, this practice is not considered good and further reduces the chances of your credit card approval. Thus, it is always recommended to apply for the most suitable credit card and wait patiently until the bank approves your application. 
• Apply for Secured Credit Card - In case your credit card application is rejected due to low income or employment instability, you can choose to acquire a secured credit card. To obtain a secured credit card, you need to deposit a certain amount to the bank and maintain that balance to minimise the risk you possess to the bank. If you spend responsibly, the bank can convert your secured card into an unsecured credit card in the future. 

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