Citizens Bank is one of the popular banks in the United States The Citizens Bank offers its users and customers two types of credit cards. These cards are the Citizens Bank Cash Back Plus World Master Card and the Citizens Bank Clear Value Master Card. In this article, we are going to look at how to check your Citizens Bank Credit Card Application Status. The two types of credit cards offered by Citizens Bank as mentioned above offer perks to borrowers with a Clear Vaue card that has a lower ARP as its feature while the Cash Back card has 1.8% back on all purchases as its feature.
Credit cards from another bank may be used for balance transfers and introductory ARPs because they may offer low or no annual fees, competitive interest rates, varying perks that come with such as statement credits and certain cash rewards and low foreign transaction fees to their customers. But before you decide to choose a Citizen Bank credit card, find out which of their product is right for you and make sure that Citizens will give you the best option for what you need.
There are some other factors you may likely consider when choosing a type of credit card to use including zero liability protection, price protection and availability of any relationship bonus options. If you have checked the factors and find out that a Citizens Bank card is suitable for you, and you have applied for any of their cards, you may need to wait for one month for a decision to be taken on your online application because Citizens Bank will use this period to look at your credit history.
Although most of the decisions are made within seven (7) to ten (10) days, the card issuer takes a longer time especially if they want to determine the creditworthiness of the customer. When the bank is not sure if they should approve your card application or not, Citizens Bank may also ask you for additional details and information to support your application.
It might be frustrating to a customer to wait endlessly when you are not sure if your credit card application will be approved or not. Since you know how to check your Citizens Bank Credit Card application status, you may not want to give up hope if your application is not approved instantly. This is because many people still end up being in good standing and get their cards approved at the end even after waiting for a while. You may also wish to find out if you are still in the process of getting your card application to be approved so that you can move on if your card is not going to be approved.
Your credit card can still be approved even when you don’t have good credit but it will only make you get less competitive rates and your variable APR may be placed at a higher rate than a creditworthy customer. You must know how to check your Citizens Bank credit card application status so that you will know if the company received all the necessary documents and know how your credit card application is moving through the process.
How To Check Your Citizens Bank Credit Card Application Status
When you apply for a Citizens Bank credit card online, you need to find out how to check your Citizens Bank Credit Card application status. After your application has been submitted online, a confirmation page will appear on your screen. It may take some time for the confirmation page to appear, but Citizens Bank will always encourage you as their customers to wait and while waiting, you should not refresh your browser.
Seeing the confirmation page goes a long way to attest to the fact that your application for a Citizens Bank Credit card has been properly received and that the application is going through the process where it will be determined whether it will be approved or denied. The bank will not tell you how long or the exact time it will take for you to get a response from them about what they have decided to do. Because the time it takes them to decide is from seven (7) to thirty (30) days, a lot of uncertainty regarding when you will hear from Citizens Bank may arise.
Citizens Bank has a website where you can get help and information on how to apply for credit cards and also an online chat tool. But the fact is that you can’t check your credit card application status online. But if you want to know how to check your Citizens Bank credit card status and what is currently going on with your application, you need to contact the customer service department through a phone call.
The customer service phone number to call to find out if all the documents have been received and to find out your application status is 1-866-991-0101. Their customer service representatives are always available and can be reached with the number above from Monday to Friday between the hours of 8:30 am to 4:00 pm Eastern time. They are ther to help you if you already know how to check your Citizens Bank Credit Card application status.
When you call them, they will direct you on how to check your Citizens Bank Credit card application status. Also, note that you should be prepared to provide them with the basic information so that the customer service representative can look up your application to prove your identity. The information they may require from you may include your name, social security number, your telephone number and your residential address.
Checking Your Application Status Is Very Helpful
Checking your application status is very helpful because it is through that process that you will discover if the card issuer is waiting for some documents that have not been submitted to determine if your credit card application should be approved. If you notice such, you can take action immediately to provide those documents. If you know how to check your Citizens Bank credit card application status, it will help you to get more information about whether your application is still being considered and how long the application process will still take.
While you are waiting for your application to be approved, you shouldn’t apply for a different card or even something like a personal loan. This is because if you do so, it can damage your credit and you will likely have to wait to get feedback on the progress of the card. In case the Citizens Bank did not give you approval on your credit card application, You can still choose from any of the best credit card options. But ensure you desist from applying for too many cards at the same time and ensure you correct any issue that caused your credit card application to be denied before applying for another one.