BDO Credit Card Application Status Pending: What It Means and What to Do
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BDO Credit Card Application Status Pending: What It Means and What to Do
So, you’ve applied for a BDO credit card and checked your application status — but instead of “Approved” or “Rejected,” you see “Pending.” 😬 Don’t panic! This is more common than you think, especially for first-time credit card applicants.
In this guide, we’ll break down what “Pending” really means, why your application might be delayed, how long the process usually takes, and the exact steps you should take to speed things up and improve your chances of approval.
🕵️♀️ What “Pending” Means in Your BDO Credit Card Application
When your status shows “Pending,” it simply means BDO hasn’t made a final decision yet. Your application is still under review and undergoing several verification steps.
BDO checks:
Your personal details
Your credit history (if any)
Your income and employment status
The authenticity of your documents
If any of these steps take longer than expected, your application stays in “Pending” status until the review is complete.
⏳ How Long Does the “Pending” Status Last?
On average, the entire BDO credit card approval process takes around 7 to 15 banking days. However, if your application is marked as “Pending,” it usually means there’s extra verification needed, which could extend the process by 5 to 10 more days.
Application Type
Normal Approval Time
If Status Is Pending
Online Application
7–10 banking days
Up to 15 banking days
Branch Submission
10–15 banking days
Up to 20 banking days
Third-Party Promos
15–25 banking days
Up to 30 banking days
Tip: If your application has been “Pending” for more than 20 banking days, contact BDO directly to follow up.
📌 Common Reasons Why Your BDO Application Is “Pending”
1. Incomplete or Incorrect Documents
Missing IDs, incorrect income details, or mismatched signatures are common reasons for delays.
2. First-Time Credit Card Applicant
If this is your first-ever credit card, BDO takes extra time to assess your financial capacity since there’s no existing credit history.
3. Employer or Income Verification
BDO often verifies employment by calling HR or your employer to confirm salary and job status.
4. High Volume of Applications
During promos or peak seasons, processing times may be longer than usual.
5. Credit Record Check Issues
If there’s an inconsistency in your financial records, BDO may need extra time to validate your details.
📝 How to Speed Up Your BDO Credit Card Application
If your application is stuck in “Pending” for days, here are practical steps you can take:
1. Double-Check Your Submitted Documents
Make sure you provided:
One (1) valid government ID
Proof of income (latest ITR, payslip, COE)
Proof of billing (Meralco, PLDT, or water bill)
Even a small missing detail can delay approval.
2. Call BDO Customer Service
Dial (02) 8631-8000 to directly inquire about your application status. Have your application reference number ready.
3. Follow Up via Email
Send your inquiry to callcenter@bdo.com.ph with your full name, date of application, and contact number.
4. Wait for Final Verification
If BDO informs you that verification is ongoing, give them time — forcing multiple follow-ups won’t necessarily speed things up.
💡 Pro Tip: Know Your Financial Capacity Before Applying
Sometimes, pending statuses happen because BDO wants to make sure you can manage repayments. Before applying, it’s smart to calculate whether you can afford the monthly payments and fees.
When your BDO credit card application status shows “Pending,” it means BDO is still verifying your details. The process usually takes 7 to 15 banking days, but it can take longer if there are missing documents or additional checks. You can follow up via BDO’s hotline, email, or online tracker.
📌 Frequently Asked Questions (FAQs)
1. Does “Pending” mean my BDO credit card is rejected?
No. It simply means your application is still being reviewed.
2. How long should I wait if my status is pending?
Normally 7–15 banking days, but it may extend to 20+ days if additional verification is needed.
3. Can I reapply while my status is still pending?
No. Wait for BDO’s final decision before submitting a new application.
4. What if I lost my application reference number?
You can still call the BDO hotline and verify your identity using personal details.
5. How do I avoid a pending status next time?
Submit complete documents, ensure correct details, and apply for a credit card that matches your income level.
