CREDIT CARD APPLICATION

TRANSACTION HOST INTEGRATION MATRIX

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No Host Interface Required.

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Pre integrated Host interface available.

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Pre integrated Host interface not available.

 

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Transaction / Function Name

Third Party System

Oracle FLEXCUBE Core Banking 11.7.0.0.0

Oracle FLEXCUBE Universal Banking 12.4.0.0.0

Oracle Banking Platform 2.5.0.2.0

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Credit Cards Application

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Introduction

The credit card application is created to enable customers to apply for a credit card by providing basic personal and financial details. While applying for a credit card, you can also define preferences such as whether authorized users are to be added to the card and if balance transfers are to be defined. All the required disclosures and notices are displayed as part of the application and all regulations governing the bank and the applicant involved have been kept in mind while identifying information to be captured.

The application tracker is built to enable tracking of the application once it is submitted. The application tracker also enables you to retrieve and complete an application that is saved. Additionally, you can perform certain tasks from the application tracker such as uploading documents required by the bank, specifying additional card preferences such as delivery preferences and card customizations including defining card background and name to be printed on the card.

Credit CardClosedA credit card is a payment card issued to users (cardholders) as a method of payment. Application Workflow

Credit Card Workflow

The credit card application process consists of the following steps:

You are here How to reach here:

Dashboard > Credit Card

To apply for credit card:

  1. The product selection screen is displayed.
  1. Click the Proceed option against the desired product card. A screen containing all the offers available under the selected credit card product is displayed.

Once you select a suitable credit card product, all the offers available under that product are displayed on the Credit Card Offers page. You can view additional information about an offer by selecting the More Link link available against the offer

Credit Card Orientation Page

The orientation page contains details about the steps involved in the application, details required for the application and eligibility criteria. Additionally, the orientation screen also displays text defining the USA Patriot Act, by which you are informed about the bank’s need to comply with the specific act and the requirement to capture certain information.

  1. Click Continue, if you are new / unregistered user. The Primary Information, Proof of Identity, Contact Information, Employment Information.
    OR
    Click Login if you are a registered (existing) user. For more information on the application of an existing user, view the Existing User section.
    OR
    Click Cancel to abort the application process. For more information on cancelling an application, view the Cancel Application section.
  2. The application landing page is displayed.
  1. The sections of the application form are displayed on this page. You can start entering information in each section starting with the first section i.e. Primary Information.

Primary Information

In the primary Information screen enter basic information such as salutation, first name, last name, date of birth, citizenship, etc.

Field Name

Description

Salutation

Select your salutation. Examples of salutation are Mr., Mrs., Dr.

First Name

Enter your first name.

Middle Name

Enter your middle name here. This field is optional.

Last Name

Enter your last name.

Suffix (Optional)

Select your suffix. This field is optional.

Date of Birth

Your date of birth in format MM/DDClosedDirect Debit/YYYY. The system validates your date of birth so as to identify whether you have attained age of majority.

Citizenship

The country of which you are a citizenship. By default, United States will be selected. You can change this value to reflect the country of which you are a citizen.

Permanent Resident

You are required to identify whether you are a permanent resident of the United States or not.

If your citizenship is any other than United States and if you are also not a permanent resident of the United States, you will not be able to proceed with the application as, currently, only US citizens or resident aliens are allowed to submit applications.

Country of Residence

This field is enabled only if you have identified that you are not a permanent resident of the United States by selecting No in the Permanent Resident field. In this case, you are required to identify the country in which you reside.
  1. Click Continue . The Proof of Identity section is displayed.

Proof of Identity

Enter your Social Security Number and identity details in this section.

Field Name

Description

Social Security Number

Enter your Social Security Number. Your Social Security Number is a 9 digit number issued by the U.S. government to U.S. citizens, permanent residents and temporary residents for taxation and other purposes.

Type of Identification

Select the identification that you want to provide as proof of identity. The identification type could be:

  • State ID
  • Driving License
  • Matricula Consular Card

State of Issue

Enter the name of the state in which your identification document has been issued.

This field is displayed if you have selected State ID or Driving License in Type of Identification list.

ID Number

Enter your Identification number corresponding to the identification type.

Expiration Date

Enter the date on which your identification document will expire. This date can be found printed on your identification document. The system will validate if the expiration date has passed or if it is a valid date i.e. not one that is too ahead in the future (the number of years will be defined by the bank) and will display an appropriate error message. In this case, you can either modify the expiration date or select a different ID to submit as proof of identity, one that has a valid expiration date.

  1. Click Continue to save the identification information.
  2. The Contact Information section is displayed.

Contact Information

In the contact information section enter contact details including your email address, phone numbers, and current residential address. You will be required to enter details of your previous residence if you have stayed at your current residence for less than the amount of time required. This amount of time is defined by the bank in terms of years.

Field Name

Description

Email

Email

Enter your email address.

Confirm Email

Re-enter your email address in order to confirm the same.

Phone Number

Phone Type

Select the phone number type that you want to define as primary contact number.

The options are:

  • Personal Mobile
  • Work Mobile
  • Home Phone
  • Work Phone

Primary Phone Number

Enter your phone number corresponding to the selected phone type.

Alternate phone number

You can select Yes if you want to add an alternate phone number. It is not mandatory to add an alternate phone number.

Phone Type

Type of phone number that is being added as an alternate number.

The options are the same as those available for the phone type of primary phone number. The type selected as primary phone type will not be part of the list. Hence you cannot enter two phone numbers of the same type.

This field is displayed if you select Yes in the Add an alternate phone number field.

Phone Number

Phone number corresponding to the selected alternate phone type.

This field is displayed if you select Yes in the Add an alternate phone number field.

Residential Address

Accommodation Type

The type of accommodation in which you reside.

The accommodation types are:

  • Company Provided
  • Inherited
  • Leased
  • Owned
  • Parental
  • Rented
  • Other

Address 1-2

Enter your address details.

City

Enter the name of the city in which you reside.

State

Enter to state in which you reside.

Zip Code

The zip code of your residence. You can enter the zip code in format zip+4 in addition to regular format.

Staying Since

Date since which you have been residing at the current address. If you identify a date that is less than the minimum amount of time required for you to have resided in the current residence, the system will display fields in which you can specify you previous residence address.

Previous Residential Address

This sub section will be enabled and displayed only if you have identified a date in the Staying Since field that falls short of the minimum amount of time required for you to have resided in the current residence.

Accommodation Type

The type of accommodation in which you resided previously.

The accommodation types are :

  • Company Provided
  • Inherited
  • Leased
  • Owned
  • Parental
  • Rented
  • Other

Address line 1-2

Enter address details of your previous residence.

City

Enter the name of the city in which you resided previously.

State

The state in which you resided previously.

Zip Code

The zip code of your previous residence. You can enter the zip code in format zip+4 in addition to regular format.

Employment Information

In this section enter details of your employment over a defined period starting with your current primary employment. The details required are type of employment, subsequent status, date on which specific employment was started and if you are salaried or self employed, the company or employer name. If the amount of time at which you have been employed in your current employment is less than the required amount, the system will display fields in which you can enter details of previous employment.

Field Name

Description

Primary Employment

Employment Type

The type of your current primary employment.

The types are:

  • Salaried
  • Self Employed
  • Others

Employment Status

The status of your employment. The options in this field will depend on your selection as employment type.

If you have selected the option Salaried or Self Employed the options will be:

  • Part Time
  • Full Time

If you have selected the option Others, the options will be:

  • Home Duties
  • Non-Resident
  • Pensioner
  • Retired
  • Student
  • Superannuation
  • Unemployed
  • Casual
  • Contractor

Company Name or Employer

The name of the company or firm at which you are employed. This field will be displayed only if you have selected Salaried or Self Employed as Employment Type.

Start Date

The start date of your current employment.

Additional Employment

Employment Type

The type of employment.

The types are:

  • Salaried
  • Self Employed
  • Others

Employment Status

The status of your employment. The options in this field will depend on your selection as employment type.

If you have selected the option Salaried or Self Employed the options will be:

  • Part Time
  • Full Time

If you have selected the option Others, the options will be:

  • Home Duties
  • Non-Resident
  • Pensioner
  • Retired
  • Student
  • Superannuation
  • Unemployed
  • Casual
  • Contractor

Company Name or Employer

Name of the company or firm at which you are/were employed. This field will be displayed only if you have selected Salaried or Self Employed as Employment Type.

Start Date

The date on which you started employment at the specific company or organization.

End Date

The date on which you employment at the specific company or organization ended.
  1. Click Add to update the employment information.
    OR
    You can lick Edit to edit the employment information.
  2. Click Add infoto add more than one employment information.

Financial Profile

This page comprises of multiple sections in which you can enter your financial details in the form of income, expenses, assets, and liabilities.

Income Information

In this section enter details of all income that you want to be considered to be the basis on which you will make credit card payments. Hence, any income earned as alimony or child support need not be identified here if you do not wish for it to be considered.

You can add multiple records of income up to a defined limit. Click the Add info icon to add additional income records and the Delete Record icon against a specific record to delete it.

Field Name

Description

Primary Income

Source of Income

The source of your primary income. Examples of source of income can be rental income, salary, etc.

Gross Income

Gross amount of income earned.

Net Income

Net amount of income. The net income field will be defaulted with the gross income amount entered and can be changed.

Frequency

The frequency at which you earn the particular income. Examples of income frequency can be Monthly, Yearly, etc.

By default Yearly will be selected in this field. You can change this value as required.

Expenses

In this section enter details of all expenses you incur on a regular basis. You can add multiple expense records up to a defined limit. Click the Add info icon to add additional expense records and the Delete Record icon against a specific record to delete it.

Field Name

Description

Primary Expense

Type of Expense

The type of expense. Example - household, school fees, etc.

Total Expense Value

The total value of expenditure against the specific type identified.

Frequency of Expense

The frequency at which you incur the specific expense.

By default the value Monthly will be selected and can be changed.

  1. Click Save to update the expense details.
  2. Click Continue to proceed with the asset details section. OR
    Click the Add info icon to add another expense records.

Asset

In this section enter details of all assets owned by you. You can add multiple asset records up to a defined limit. Click the Add Another Income Icon icon to add additional asset records and the Delete Record icon against a specific record to delete it.

  1. From the Type of Asset list, select the appropriate option.
  2. In the Value field, enter the value of the liability in the given currency .

Field Name

Description

Primary Asset

Type of Asset

Select the type of asset you own. Examples of assets are – Home, Savings account with bank, etc.

Value

The market value of the asset.
  1. Click Save.
  2. Click Continue to proceed with the liability details section.
    OR
    Click the Add info icon to add another asset records.

Liabilities

In this section enter details of all your liabilities. You can add multiple records up to a defined limit. Click the Add Another Income Icon icon to add additional records and the Delete Record icon against a specific record to delete it.

Field Name

Description

Primary Liability

Type of Liability

Select the type of liability you want to define.

Examples can be home loan, personal loan, credit card debt, etc.

Original Value

Identify the original value of the liability.

Outstanding Value

Enter the current outstanding value of the liability.
  • Click Save.
  • Click Continue to proceed with the application process.
    OR
    Click the Add info icon to add another asset records.
  • Once the asset, liability, income, and expense details are entered click Continue. The Customize your Card screen appears.
  • The Customize your Card screen is displayed.

    • Customize Card

    In this section you can define preferences related to your credit card. You can opt to add authorized users on your card and also define details of balances to be transferred to your new card.

    Field Name

    Description

    Authorized Users

    Add an authorized user

    You can add an authorized user by selecting Yes. The following fields to capture authorized user’s information are displayed if you select option Yes.

    Authorized Users <Number>

    Each authorized user’s record that you add will be numbered.

    Salutation

    Specify the authorized user’s salutation. Examples of salutation are Mr., Mrs., Dr.

    First Name

    Enter the authorized user’s first name.

    Middle Name

    Enter the authorized user’s middle name. This field is optional.

    Last Name

    Enter the authorized user’s last name.

    Suffix

    Enter the authorized user’s suffix. This field is optional.

    Date of Birth

    Enter the authorized user’s date of birth in format MM/DD/YYYY.

    The system validates the authorized user’s date of birth so as to identify whether the authorized user meets the age requirements as defined by the bank.

    Citizenship

    The country in which the authorized user is a citizen. By default, United States will be selected. You can change this value to reflect the country of which the authorized user is a citizen.

    Permanent Resident

    Whether the authorized user is a permanent resident of the United States or not.

    If citizenship is any other than United States and if the authorized user is not a permanent resident of the United States, you will not be able to add the authorized user.

    Country of Residence

    This field is enabled only if you have identified that the authorized user is not a permanent resident of the United States by selecting No in the Permanent Resident field. In this case, the authorized user’s country of residence is required to be identified.

    Social Security Number

    Enter the authorized user’s Social Security Number.

    Residential Address

    Address is same as primary applicant’s

    Select option Yes if the authorized user's address is the same as that of the primary applicant’s. The system will populate the address you have entered as Residential Address in the Contact Information section in this sub section.

    Accommodation Type

    The type of accommodation in which the authorized user resides. The accommodation types are:

    • Company Provided
    • Inherited
    • Leased
    • Owned
    • Parental
    • Rented
    • Other

    Address 1-2

    Enter the authorized user’s address details.

    City

    Enter the name of the city in which the authorized user resides.

    State

    Specify the name of the state in which the authorized user resides.

    Zip Code

    The zip code of the authorized user’s residence. You can enter the zip code in format zip+4 in addition to regular format.

    Staying Since

    Date since which the authorized user has been residing at the current address. If you identify a date that is less than the minimum amount of time required for the user to have resided in the current residence, the system will display fields in which you can specify the previous residence address of the authorized user.

    Previous Residential Address

    Accommodation Type

    The type of accommodation in which the authorized user resided previously.

    The accommodation types are:

    • Company Provided
    • Inherited
    • Leased
    • Owned
    • Parental
    • Rented
    • Other

    Address 1-2

    Enter address details of the authorized user’s previous residence.

    City

    Specify the name of the city in which the authorized user had resided previously.

    State

    Identify the state in which the authorized user had resided previously.

    Zip Code

    The zip code of the authorized user’s previous residence. You can enter the zip code in format zip+4 in addition to regular format.

    Balance Transfer

    Transfer a balance to my new card

    You can select option Yes to specify balance transfer details. The following fields in which you can enter balance transfer details are displayed if you select Yes.

    Balance Transfer <Number>

    Each balance transfer record that you define will be numbered.

    Card Issuer

    Enter the name of the institution that issued the card from which balance is to be transferred to your new card.

    Payee Name

    Enter the name of the holder of the card from which balance is to be transferred.

    Card Number

    Enter the number of the credit card from which balance is to be transferred.

    Transfer Amount

    Specify the amount to be transferred. The system will validate this amount so as to ensure that it is not higher than the maximum credit limit of your new card. Additionally, if you are adding more than one balance transfer, the system will run a validation to ensure that the total transfer amount is not more than the credit limit of your card.

    The following is applicable for both Authorized Users as well as Balance Transfer sub sections:

    Review and Submit

    The review and submit page consists of the following two sub sections:

    The following are the different sections of the Application Verification sub section.

    Disclosure and Consents

    Field Name

    Description

    ESIGN Disclosure

    I have reviewed and consent to the ESIGN Disclosure

    Select this check box to provide consent to the ESIGN Disclosure.

    Certification

    I have read and agree to the above statements

    Select this check box to acknowledge that you have reviewed the credit card agreement and certifications defined.
    1. Once you have verified all the information and have provided consent to all the disclosures, click Submit.
    2. The screen confirming application submission will be displayed which will contain the application reference number, decision outcome and any additional steps that might need to be undertaken by you or the bank.
    1. If you are not a registered channel user, you will have an option to register yourself for channel access. Click Register.
      OR
      Click Go to Homepage to navigate to the product showcase.
    2. Click Track your Application to track your submitted application. For more information on the application tracker view the Application Tracker section in this document.

    Register User

    Field Name

    Description

    Define Login Credentials

    Email

    Enter the email ID with which you would like to register.

    Confirm Email

    To confirm the email ID re-enter the email ID entered in the Email field.

    Verify

    Click on this link to verify the email ID entered. A unique security code will be sent to the email address defined and a pop up window will be opened in which you can verify the email ID by entering the security code in the specified field.

    Password

    Enter a password to be used for the purpose of registration. You will be required to enter this password when you log-in to the system in the future.

    Confirm Password

    To confirm the password re-enter the password entered in the Password field.

    Set Security Questions

    Skip set up of security questions?

    Through this option, you can opt to skip setting up security questions at the time or registration.

    The options are:

    • Yes
    • No

    By default the option No will be selected and the security question and answer fields will be displayed. If you select the option Yes, identifying that you wish to skip set up of security questions, the security question and answer fields will be disabled and hidden.

    Security Question

    Select a question to be assigned as a security question.

    The security questions will be numbered, e.g. Security Question 1, Security Question 2 and so on. The number of security questions and answers available will be dependent on the number configured by the bank administrator.

    Answer

    Specify an answer for the selected security question.

    The fields in which you can specify answers to selected security questions will be displayed below each security question and will be numbered, e.g. Answer 1, Answer 2 and so on.

    Terms and Conditions

    I have read, fully understood and agreed with the terms and conditions

    Select this checkbox to acknowledge agreement to the terms and conditions of registration for online banking access.

    Terms and Conditions Link

    Click this link to view the terms and conditions.

    To register:

    Verify

    Field Name

    Description

    Verification Code

    Enter the security code sent to the email ID you have defined in the registration screen.

    Cancel Application

    The option to cancel the application is provided throughout the application and you can opt to cancel the application at any step.

    To cancel an application:

    Field Name

    Description

    Reason for Cancelling

    Indicate the reason for which you are cancelling the application. This is an optional step.

    The cancellation reason could be:

    • Difficulty in completing the form
    • insufficient time
    • Need more product details
    • Incorrect product selection
    • Others

    Please Specify

    This field is displayed if you have selected the option Others as Reason for Cancelling

    Specify the reason for which you are cancelling the application.

    Save for Later

    There will be two scenarios in this case.

    All saved applications will be available in the application tracker under the In Draft tab. You can select any application to resume the application submission process.

    To save an application:

    Field Name

    Description

    Email

    Enter the email ID with which you would like to register.

    Confirm Email

    To confirm the email ID re-enter the email ID entered in the Email field.

    Verify

    Click on this link to verify the email ID entered. A unique security code will be sent to the email address defined and a pop up window will be opened in which you can verify the email ID by entering the security code in the specified field.

    Refer the Verify sub section under section Register User for further information on verification.

    Password

    Enter a password to be used for the purpose of registration. You will be required to enter this password when you login to the system in the future.

    Confirm Password

    To confirm the password re-enter the password entered in the Password field.

    Set Security Questions

    Skip set up of security questions?

    Through this option, you can opt to skip setting up security questions at the time or registration.

    The options are:

    • Yes
    • No

    By default the option No will be selected and the security question and answer fields will be displayed. If you select the option Yes, identifying that you wish to skip set up of security questions, the security question and answer fields will be disabled and hidden.

    Security Question

    Select a question to be assigned as a security question.

    The security questions will be numbered, e.g. Security Question 1, Security Question 2 and so on. The number of security questions and answers available will be dependent on the number configured by the bank administrator.

    Answer

    Specify an answer for the selected security question.

    The fields in which you can specify answers to selected security questions will be displayed below each security question and will be numbered, e.g. Answer 1, Answer 2 and so on.

    Terms and Conditions

    I have read, fully understood and agreed with the terms and conditions

    Select this checkbox to acknowledge agreement to the terms and conditions of registration for online banking access.

    Terms and Conditions Link

    Click this link to view the terms and conditions.

    The following steps are applicable for cases wherein the applicant is not a registered user.

    Existing User

    An application form being initiated by an existing user will differ from that of one being initiated by a new/unregistered user. If you are applying for a savings account product as an existing user, once you login to the banking system after having entered your login credentials, the application form will be displayed with all your personal details pre-populated in the respective fields and sections. You will, hence, be required to only specify details pertaining to the savings account. The sections that will be pre-populated with your information are Primary Information, Proof of Identity, Contact Information and Employment Information.

    Application Tracker

    The Application Tracker enables you to view the progress of submitted applications and also to retrieve and complete applications that have been saved. Through the application tracker you can perform the following actions:

    To track an application:

    Submitted Application

    Field Name

    Description

    Credit Card Offer Name

    The name of the offer for which the application has been made.

    Application ID

    The application reference number as generated by the bank at the time the application was submitted.

    Progress Bar

    The current status of the application is displayed graphically with the help of a progress bar.

    Credit Limit

    The credit limit of the credit card.

    Applicant Name

    The name of the applicant will be displayed here.

    Submitted On

    The date on which the application was submitted.

    Status

    The current status of the application.

    Field Name

    Description

    Credit Card Offer Name

    The name of the offer for which the application has been made.

    Application ID

    The application reference number as generated by the bank at the time the application was submitted.

    Progress Bar

    The current status of the application is displayed graphically with the help of a progress bar.

    Credit Limit

    The credit limit of the credit card.

    Applicant Name

    The name of the applicant will be displayed here.

    Submitted On

    The date on which the application was submitted.

    Status

    The current status of the application.

    Additional Preferences

    In this section you can define configurations on your credit card which can include setting an image to be displayed on the card, defining a name to be embossed on the card, specifying delivery preferences for the card, PINClosedPersonal identification number (PIN) is a secret number given to an account holder to be used when they put their credit card or cash card into an automatic teller machine (ATM). If the number they use is correct they will be allowed to access their account. and statement and linking membership programs to the card.

    In this section you can configure your card i.e. the primary card as well as the cards of your authorized users.

    Field Name

    Description

    Name on Card

    You can specify the name that you want to be embossed on your card.

    Card Design

    You can select the back ground design that you want printed on your card.

    Image on Card

    You can upload an image to be printed on your card.

    Authorized User Cards

    Authorized User’s Name

    The name of the authorized user will be displayed on an accordion. If you click on this accordion, the section in which you can configure the particular authorized user’s card will be expanded.

    Once you have configured the authorized user’s card and saved the same, the section will be minimized and the icon will be displayed against the user’s name so as to identify that the particular user’s card configurations have been saved.

    Authorized User Cards

    The names of both the primary and co-applicant will be displayed here. If no co-applicant has been added, only the primary applicant’s name will be displayed.

    Name on Card

    You can specify the name that you want to be embossed on the authorized user’s card.

    Image on Card

    You can upload an image to be printed on the authorized user’s card.

    Delivery Preference

    In this section you can define delivery preferences pertaining to where you want your card, PIN and periodic statements to be delivered. The delivery preferences specified for card and PIN will be applicable for your authorized users’ cards and PINs as well.

    Field Name

    Description

    Card Delivery

    You can identify whether you want your card to be delivered to your residential address, to a branch of choice or you can also define an address where you would like your card to be delivered.

    The options are:

    • Home
    • Branch
    • Temporary Address

    PIN Delivery

    You can identify whether you want your PIN to be delivered to your residential address, to a branch of choice or you can also define an address where you would like your PIN to be delivered.

    The options are:

    • Home
    • Branch
    • Temporary Address

    Statement Delivery

    You can identify whether you want your periodic statements to be delivered via post or as a soft copy through email. You can also select the option to choose both Post and Online.

    The options are:

    • Post
    • Online
    • Both

    Address

    If you have selected the option Home, in either Card Delivery or PIN Delivery fields, your current residential address as entered in the Contact Information section of the application form will be displayed below that field indicating that your card or PIN will be delivered to your residential address.

    Additionally, if you have selected the option Post or Both in Statement Delivery, your current residential address will be displayed below the Statement Delivery field.

    Select Branch

    This field will be displayed below the Card Delivery/PIN Delivery field if you have selected the option Branch in either of the two fields.

    You will be able to search for or enter the name of the branch at which you want your card/PIN to be delivered.

    Once you have selected a branch, the full name and address of the branch will be displayed below the field.

    Address Input

    The following address fields will be displayed below the Card Delivery/PIN Delivery field if you have selected the option Temporary Address in that field.

    Address Line 1 - 2

    Enter details of the address at which you want your card/PIN to be delivered.

    City

    Specify the name of the city in which you want your card/PIN to be delivered.

    State

    Enter the name of the state in which you want your card/PIN to be delivered.

    Zip Code

    The zip code of the address at which you want your card/PIN delivered. You can enter the zip code in format zip+4 in addition to regular format.

    Your email

    Your email address will be displayed below the Statement Delivery field, if you have selected the option Online or Both.

    Membership Linkage

    In this section, the names of membership programs affiliated with your new credit card will be displayed. You can link your membership ID of each respective program to your card so as to earn membership rewards when using your card to make purchases from these.

    Field Name

    Description

    Membership Name

    The name of the institution that has a membership with the card you have applied for.

    Membership Number

    You can enter your ID number that you hold with the specific membership institution so as to link your membership to the card.

    Application Summary

    This screen displays a summary of your credit card application. You can click on the View Complete Application link provided on the screen to view the complete application in PDF format.

    Field Name

    Description

    Offer Name

    The name of the credit card offer that you applied for.

    Card Type

    The card network i.e. VISA, Mastercard, American Express, etc.

    Approved Credit Limit

    The approved credit limit on your card.

    Applicant Name

    Your name as entered in the application.

    Application Fees

    The amount of fees charged for the processing of the application.

    Card Customizations

    Authorized Cards

    Whether you have opted to add authorized users to your card or not. The values displayed can be either Yes or No.

    Balance Transfers

    Whether you have opted to have balances of any cards transferred to your new card. The values displayed can be either Yes or No.

    Delivery Preferences

    The delivery preferences along with details as defined by you for your card, PIN and/or statement will be displayed in this sub section.

    Membership Linkages

    The membership linkages, if any, defined by you in the Membership Linkage section of Additional Preferences in the App. Tracker.

    Application Summary

    This screen displays a summary of your credit card application. You can click on the View Complete Application link provided on the screen to view the complete application in PDF format.

    Field Name

    Description

    Offer Name

    The name of the credit card offer that you applied for.

    Card Type

    The card network i.e. VISA, Mastercard, American Express, etc.

    Approved Credit Limit

    The approved credit limit on your card.

    Applicant Name

    Your name as entered in the application.

    Application Fees

    The amount of fees charged for the processing of the application.

    Card Customizations

    Authorized Cards

    Whether you have opted to add authorized users to your card or not. The values displayed can be either Yes or No.

    Balance Transfers

    Whether you have opted to have balances of any cards transferred to your new card. The values displayed can be either Yes or No.

    Delivery Preferences

    The delivery preferences along with details as defined by you for your card, PIN and/or statement will be displayed in this sub section.

    Membership Linkages

    The membership linkages, if any, defined by you in the Membership Linkage section of Additional Preferences in the App. Tracker.

    Status History

    Status history displays the status of the various stages of loan application, remarks, user name, and date on which the status is updated.

    Field Name

    Description

    Status History

    State

    The status of the application.

    Remarks

    Displays remarks if any.

    Acted By

    The User ID of the person that updated the status of the application.

    Updated On

    The date on which that particular status was updated.

    Document Upload

    Document upload allows you to upload the documents which are required for application processing. You can upload multiple documents against a document type and can also delete or cancel any document that you might have uploaded erroneously or that you wish to replace with a different document.

    To upload / remove a document:

    Note: Click Remove File to remove the uploaded document.

    Field Name

    Description

    Choose File

    On selecting this link, the browse option is opened, by which you can select the required document to upload.

    Cancel an Application

    The option to cancel the application once submitted is provided in the application tracker and is available only if the application has not yet been processed to completion.

    In order to cancel an application from the application tracker, select the Cancel option available on the application tracker details page and follow on with confirming the cancellation.

    FAQs

    ClosedCan I apply for a credit card if I am not a citizen of the United States?

    As per US law, US citizens and resident aliens can apply for banking products online. Hence, if you are not a citizen of the United States but are a permanent resident of the United States and have a Social Security Number you can apply for a credit card online. However, if you are not a United States citizen and are not a permanent resident either, you cannot apply for a credit card online.

    Closed Why am I not required to enter information such as gender, marital status etc. as part of primary information?

    Financial institutions in the US are governed by strict laws one of them being the Equal Credit Opportunity Act (ECOA) which dictates that it is unlawful for any creditor to discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status or age (as long as the applicant is a legal major). Hence, information such as the applicant’s gender, number of dependents, marital status, etc. are not captured in the application.

    ClosedWhy do I have to provide my Social Security Number (SSNClosedSocial Security Number) in the application? How does the bank ensure that my information is safe?

    Your Social Security Number is required as it is part of the information we use to verify your identity and is also used by our third party credit reporting agencies to identify your credit worthiness. Your Social Security Number is masked as soon as you enter it so as to eliminate the risk of shoulder surfing security threat.

    ClosedWhy do you require the expiry date of my identity proof?

    We ask for the expiry date of your identity proof to ensure that you are providing us with a valid proof of identity, one that is currently not expired.

    ClosedCan I provide my P.O. box as residential address?

    No, we require the address at which you currently reside and if required the address at which you resided previously.

    ClosedI have my entire zip code i.e. in zip+4 format. Can I provide my entire zip code?

    Yes, the application accepts regular zip format as well as zip+4 format.

    ClosedDo I need to include the income I get as alimony in the income section of the application?

    No, you do not have to include income from alimony, child support or any separate maintenance income if you do not wish for it to be considered as a basis for credit card payment.

    ClosedCan I add an authorized user to my card? What are the details that I must provide of my authorized user?

    Yes, you can apply for an authorized user to be added to your card. You will be required to provide your authorized user’s name, date of birth, citizenship, Social Security Number and residential address details.

    ClosedCan I add multiple authorized users to my card?

    Yes, this depends on the card offer you have selected to apply for. The bank will define the maximum number of authorized users that can be linked to a card.

    ClosedWhat are the eligibility requirements to be met for someone to be added as an authorized user?

    The person you are adding as an authorized user to your card must:
    • Be either a citizen of the United States or a resident alien.
    • Meet the age requirements defined for an authorized user.

    ClosedCan I transfer balances from multiple cards to my new card?

    Yes, you can transfer the balances from multiple cards to your new card provided this feature is enabled for the credit card offer that you have applied for. The bank will define the maximum number of balance transfers you can perform on your card.

    Closed. Is there a maximum limit defined on the amount of balance that can be transferred to my card?

    Yes, you cannot transfer a balance if it is greater than the maximum credit limit defined for your card. Additionally the sum of all balance transfers also must not exceed that of the maximum credit limit of your card.

    ClosedWhy do I have to give my consent to all the disclosures displayed under the Review & Submit section?

    As per US law, all customers of the bank are to be made aware of all the disclosures and notices impacting them. Hence, we require your consent to all these disclosures and also provide links for you to view the details of each disclosure.

    ClosedI am an existing customer of the bank but do not have channel access, how can I proceed?

    You can register yourself as a channel user through the ‘Register’ option available on the portal page and provide the required details.

    ClosedCan I proceed with the application if I am not an existing channel user?

    Yes, you can continue filling in the application details as a guest user and need not necessarily login.

    ClosedWhy am I asked to capture previous residential address details?

    The bank has a resident stability policy in place wherein if the applicant is staying at the current address for less than a defined term then he/she needs to define the previous residential address.

    Closed Is it mandatory to change the default configuration for an account as part of application tracker?

    No, you can simply view and confirm the account configuration. This facility has been provided so that you can edit any parameter or facility of the account that you wish to change.

    Closed The application requires me to define certain financial details that are not applicable to me. How do I proceed?

    In case a financial parameter such as, an expense as mortgage is not applicable to you, you can mention the value ‘0’ against that specific financial parameter and proceed with the application.

    ClosedWhy am I being asked to capture previous employment details?

    The bank has a employment stability policy in place wherein if the applicant has not completed a defined term in the current organization then he/she needs to define previous employment details.

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