Picture this: You’ve just applied for the IDFC First Select Credit Card with high hopes of enjoying its amazing benefits. The excitement is real, and after completing your VKYC (Video Know Your Customer) process, you eagerly check the application status, only to see it stuck at “Application Initiated” with an option to initiate VKYC again!
Your heart skips a beat. Did the agent even mark your VKYC as completed? Is there a system glitch? Panic sets in. You try reaching out to IDFC customer care, and they tell you the generic response: “It will take 7 working days to update.” Frustrated, you wonder, “Has anyone else faced this? How long will my credit card approval take?”
Why Does Your IDFC Credit Card Application Status Say ‘Application Initiated’?
Delay in VKYC Verification Update
One of the primary reasons your IDFC First Bank credit card application might still show “Application Initiated” is because the VKYC update is not immediate. Banks often process VKYC verification manually, and the system may take some time to reflect the completion.
👉 Possible Causes:
- Backend Processing Delays: The VKYC might be in queue for manual verification by the IDFC team.
- Agent Error: The agent who conducted your VKYC might not have submitted the report properly.
- System Glitch: A common issue where the IDFC system fails to update the application status in real-time.
What to Do If Your VKYC Status is Not Updating?
Contacting IDFC First Bank Customer Care (The Right Way)
Many people call customer care only to receive a standard script response: “It will take 7 working days.” While this is frustrating, there are ways to get better help:
Steps to Follow:
- Call multiple times: Different agents may give different responses. Some are more knowledgeable than others.
- Ask for VKYC confirmation: Instead of just asking about your application, specifically request confirmation that your VKYC has been marked as completed.
- Use email support: Send a detailed email to IDFC First Bank’s support, including your Application ID and screenshots of your tracking page.
Email Format Example:
Subject: Urgent – VKYC Completed but Application Status Not Updating
Dear IDFC Team,
I completed my VKYC on [date] at [time], but my application status still shows as “Application Initiated.” The agent confirmed my VKYC was completed. Can you please verify and update my status?Application ID: [Your ID]
Thanks,
[Your Name]
How Long Does IDFC Take to Approve a Credit Card?
Standard Timeline for IDFC Credit Card Approval
The official timeline for IDFC First Bank credit card approval is 7–10 working days, but in reality, it varies. Here’s what users have reported:
Common Timelines:
- Fastest Approval: Within 2-3 days (if everything goes smoothly).
- Average Approval: 5–7 working days.
- Delayed Approval: More than 10 days (due to document verification issues, VKYC errors, or backend delays).
Factors Affecting Approval Speed:
- CIBIL Score: Higher scores (750+) get faster approvals.
- Employment Status: Salaried professionals might see quicker approvals compared to self-employed applicants.
- Document Verification: Any mismatch in PAN, Aadhaar, or salary details can delay the process.
Step-by-Step Guide to Fixing a Stuck IDFC Credit Card Application
Step-by-Step Fix for Delayed VKYC and Application Updates
Follow these steps to resolve your issue quickly:
- Wait for 48 Hours: Sometimes, the system updates within a day or two.
- Call IDFC Customer Support: Request them to manually check if your VKYC has been submitted.
- Send an Email to IDFC: Attach screenshots of your application status page and mention your Application ID.
- Visit a Local IDFC Branch: Speak to a representative and get real-time assistance.
- Raise a Complaint on Social Media: Tweet to @IDFCFIRSTBank or post on their Facebook page for a faster response.
- Reinitiate VKYC (Last Resort): If nothing works, try re-doing your VKYC through the portal.
Frequently Asked Questions
Why is my IDFC credit card application status not updating?
There can be several reasons for this, such as system delays, pending verification, or issues with the documents provided. It is advisable to check with customer support to resolve any discrepancies and ensure that all information is accurate.
What does VKYC stand for, and how does it affect my IDFC credit card application?
VKYC stands for Video KYC (Know Your Customer), a verification process used by financial institutions. If your VKYC isn’t updated, it might delay the approval or issuance of your IDFC credit card. Ensuring that the video verification is successfully completed can help resolve the issue.
How can I check if my VKYC is completed for my IDFC credit card application?
You can check the status of your VKYC through the IDFC Bank mobile app or website, or by contacting customer support. They can confirm whether your video verification has been successfully processed.
What should I do if my VKYC status isn’t updating after submission?
If your VKYC status isn’t updating, ensure that you have followed all instructions during the video verification process. If the issue persists, you should reach out to IDFC Bank’s customer service team for assistance, as there might be a technical glitch or pending review.
Is there a way to speed up the process if my application is stuck due to VKYC delays?
While processing times can vary, you can speed up the process by ensuring all required documents are clear and correct. Following up with IDFC customer support might help you get clarity on any specific issues delaying the application process.
Conclusion
If you’re facing issues with your IDFC credit card application and your VKYC (Video KYC) isn’t updating, it can be frustrating. However, there are steps you can take to resolve the situation. First, ensure that your internet connection is stable during the VKYC process. If the issue persists, consider reaching out to IDFC Bank’s customer service team for assistance. They can provide clarity on whether there’s a technical glitch or if further verification is required.
In case your VKYC remains stuck, you can also visit the nearest IDFC branch to complete the verification process manually. Additionally, keep an eye on your application status through the bank’s official app or website. Patience is essential, as some delays are inevitable due to verification processes.
