One of the issues that make people think of the credit card application after they send the application to the bank is about how long the application will be completed in a positive or negative way.
In this context, although banks are taking a more technological approach day by day and trying to transfer information to customers about the status of the application process, customers’ curiosity about the issue cannot be resolved. would be useful.
If a general evaluation is made, it will not be wrong to say that banks evaluated and finalized their credit card applications within an average of 1 business day. In this context, it is possible to evaluate and respond to the credit card application you will send to the bank within 1 business day. Although consumers will not be able to do anything directly to speed up this process, it is possible to complete the process in a much shorter period of time, such as 30 minutes, if the bank has previously submitted proof of income, identity card, and derivative information.
If your credit card application does not end within 2 business days, you probably have encountered a problem with the business process. If you encounter such a situation, you can call the call center of the bank and indicate that you want to receive information about the status of your credit card application.
There are more than one criteria in the evaluation of credit card applications, and these criteria generally relate to the credit rating and the extent to which past financial responsibilities are met.
Although consumers with a high credit rating are much more likely to have a positive credit card application, it is an important factor for this amount of credit card application. It is recommended that credit card applications are generally limited to 3 times the monthly income. Consumers who will apply for higher limit credit cards are required to provide various guarantees or to show blocked accounts in order to enable this.
Therefore, the first and most important thing that can be done to conclude the credit card application is to make the right decision about which limit to apply. Take care to determine your credit card limit so that there is not a big difference between your monthly income.
It is essential to present proof of income to the bank before making a credit card application in order to evaluate your income correctly. Therefore, if possible, submit your income document to the bank and make it possible to evaluate your income much more quickly.
Your credit score is expected to be above average before applying for a credit card. The higher your credit note application, the more likely your credit card application will be answered.
To inquire about the status of your credit card application, the first thing you need to do is to find out the status of your application by clicking on the application status button on these screens if you have applied through the internet banking or mobile banking application.
In addition, you can call the bank’s call center to ask for help directly inquire about the credit card application status.