American Express or Amex is renowned all over the world for its credit card brand and many other financial services. With value-added features such as cash back, travel and other exclusive benefits, the Amex credit card offers a sense of luxury to the cardholders. If you have applied for a credit card with American Express but have not received the approval yet, you can check your AmEx Credit Card Application Status. On the other hand, if you are planning to apply for one, the company has plenty of choices in store for you including:
- Membership Rewards Credit Card
- Platinum Reserve Credit Card
- Gold Card
- Platinum Travel Credit Card
- MakeMyTrip Credit Card
- Express Platinum Credit Card
- PAYBACK Credit Card
- Platinum Card
Aside from variety, the financial services corporation also offers user-friendly processes. All you need is to provide a few financial details such as credit history and proof of stable income to submit an AmEx credit card application. Though it might take some people longer than others to get an approval, the wait is usually worth it!
How to apply for an Amex credit card?
As mentioned above, American Express is one of the premium financial service providers in India and around the world. It also offers a range of products to uphold its reputation. If you have already decided which credit card to get from their many offerings, the job is half done! Now, all you need is to submit your application, which you can do online. You can find the application form on the official website of the company. You need to provide details such as your banking information, income proof and address to fill up the form.
After receiving your application, the bank will send a confirmation asking you to submit some additional documents. These additional documents will prove your identity and legal status. If you fill up the form properly and provide all the necessary details and documents correctly, the company will take 3-4 weeks for processing your application. The status of your application, whether it ends up in approval or denial, will be sent to you via email or SMS. If you have applied for an Amex credit card but have not received any confirmation yet, you can check the application status through different methods. Let us discuss how.
How to check AmEx credit card application status online?
Unfortunately, American Express currently does not offer any tools to allow Indian applicants to check the status of their application online. The easiest way to get some form of notification is to send an email to the bank. After submitting your application, you must have received an acknowledgment email. If it is not an auto-generated email, you may consider sending a query to that address. You may also try emailing at firstname.lastname@example.org. Do not forget to add your contact details and application reference number in the mail. It will help them to retrieve the information faster.
How to check credit card application status offline?
Since Indian customers do not have access to an online tool that shows the credit card application status, it helps to have an alternative way to find the same information. If you have not heard about your application in weeks, you may call up the company’s customer service helpline. American Express has a 24×7 call centre that caters to customer queries such as this. You can call at 18004193646 or +911242801800 and get to know about the status of your credit card application.
What possible outcomes can you expect after a query?
If your email reaches the company executives and they happen to leave you a reply, you can expect any of the following responses stating the status of your application.
- Approved – This means that your application has been approved and you can expect your new credit card any day.
- In progress – This means that they are still reviewing your application and processing the documents you have provided them. Approval may still take some time.
- Declined – Your application may get declined if you fail to meet the credit-worthiness criteria or any other requirement.
- Cancelled – The company may cancel your application if you have previously applied for the card in the last 90 days.
You may also visit the company’s official website and go through their terms and conditions for credit card application. This way, you will get to know where you might have gone wrong.
Why do some applications take longer than usual?
To understand why your application may be taking so long, you first need to know that American Express only prefers the most qualified cardholders. Unless you have an exceptional credit history and a sterling income profile, you are likely to wait a while for the approval. To get approval instantly, you need to provide details of your financial life including the source of income and income level.
You may also experience a delayed approval if it is your first time with the company. If you already own an AmEx credit card, you are likely to get a faster approval than others, provided your financial circumstances have not suffered or changed significantly since your last application. You should note that the company only allows each cardholder to have up to four Amex credit cards. As a first-time applicant, you may have to go through several rounds of document verification before you get the approval.
What can you do to get a fast approval on your credit card application?
If you have decided to apply for your first Amex credit card, you already know that it may not be smooth sailing till you get the approval. However, there are some things you can do to improve your chances of getting a quick approval. First of all, you need to know which credit card to apply for. As mentioned above, the company has introduced several different cards to serve the needs of their customers better. You need to choose the card that fulfils your requirements the best.
You should also apply for a credit card and charge card on the same day. This way, you can combine the credit card hard enquiries. It means that you have to deal with only one credit enquiry instead of two. If you already have an Amex card, the company will carry out the hard enquiry only if you get the approval. If you have multiple Amex credit cards and they all amount to a $35,000 total credit limit, you will have to face a financial review. The authorities will also freeze your accounts when conducting the review.
So, in light of everything discussed above, it becomes clear that getting approval for the Amex credit card becomes much easier if you are already a customer with American Express. However, if you are not, you need to have excellent financial standing to get a fast approval. You can also keep track of your AmEx Credit Card Application Status to stay up to date.