How to Track RCBC Credit Card Application Using Reference Number
/
How to Track RCBC Credit Card Application Using Reference Number
Getting your very first credit card can feel exciting and a little overwhelming at the same time. Many Filipinos ask: “Paano ko malalaman kung approved na ba ako?” Good news—RCBC makes it easy for applicants to check their credit card application status using just their reference number.
This step is especially helpful for first-time credit card users. Instead of guessing or waiting for weeks without updates, you can track your application online or through RCBC’s channels. In this guide, we’ll explain exactly how to do it, plus give you tips on what to expect once you get approved.
What Is a Credit Card and Why Do People Apply for One?
If this is your first time applying, let’s start with the basics.
What is a credit card? A credit card is like a financial tool that allows you to “buy now, pay later.” Instead of paying cash right away, you borrow money from the bank and pay it back on or before your due date.
How a credit card works (simple example): Imagine you need groceries worth ₱3,000. You swipe your RCBC credit card, and RCBC pays the store for you. At the end of the month, you’ll receive a bill. If you pay the full ₱3,000 on time, walang dagdag na interest.
Benefits of a credit card for beginners:
Builds your credit history
Lets you shop online and abroad
Helps in emergencies (hospital bills, urgent purchases)
Gives you rewards and promos
RCBC Credit Card Application Requirements
Before you can track your application, make sure you meet the basic RCBC credit card requirements:
At least 21 years old (18 for supplementary cardholders)
With a stable income (usually ₱15,000–₱30,000 monthly minimum, depending on the card type)
Proof of income: payslip, COE, or ITR for employees; bank statements or business documents for self-employed
👉 Tip: Always double-check RCBC’s official requirements for the specific card you want, since they may vary.
How to Track Your RCBC Credit Card Application Status
Once you’ve submitted your application, RCBC assigns a unique reference number. This is what you’ll use to check your status.
Step-by-Step Process
Locate your reference number
This is usually sent via email or SMS after you apply. Keep it safe.
Check online through RCBC’s tracker
Visit the RCBC Credit Card application tracker page.
Enter your reference number and other required details.
Click Submit to view your application status.
Alternative options
Hotline: Call RCBC Bankard Customer Service at their credit card hotline.
Email: You can email RCBC’s support team with your details.
Branch visit: If you applied through a branch, your account officer can also help.
Possible Application Statuses and What They Mean
When you track your RCBC credit card application, you may see:
Approved – Congratulations! Wait for delivery of your card.
Pending / Under Review – RCBC is still verifying your documents.
Declined – Your application didn’t meet requirements. Don’t worry, you can try again after fixing the issue (like updating income docs).
👉 Real-life example: If your payslip shows a salary lower than the minimum required, your application may get declined. You can reapply later once your income increases.
Common Issues First-Time Applicants Face
Missing requirements – Some forget to submit proof of income or valid IDs.
Wrong details – Even a small typo in your email or address can delay approval.
Low income or unstable job history – RCBC wants to ensure you can pay back what you borrow.
No credit history – First-time applicants sometimes face delays because the bank has no record of their borrowing habits.
💡 Pro Tip: If you’re unsure about costs and interest rates, try this Credit Card Cost Calculator. It helps you estimate how much you’ll really pay when you use your RCBC credit card.
Benefits of Tracking Your Application
Why bother checking your application status instead of just waiting?
Peace of mind – No more guessing if you got approved.
Faster response – If there’s a missing document, you’ll know right away.
Better planning – You can prepare to use your card for upcoming bills or purchases.
TL;DR (Quick Summary)
You can track your RCBC credit card application using your reference number.
Status updates include approved, pending, or declined.
Keep your documents complete and accurate to avoid delays.
Use the Credit Card Cost Calculator to plan your spending wisely.
FAQs
1. How long does RCBC take to approve a credit card? Usually 5–10 banking days, but it may take longer if verification is needed.
2. What if I lost my reference number? Call RCBC’s credit card hotline or email customer service to retrieve it.
3. Can I track my application without a reference number? No, the reference number is required. But you can still ask for help via hotline.
4. What happens if my application is declined? You can reapply after addressing the issue (higher income, updated documents, or better credit record).
5. Will RCBC notify me if I’m approved? Yes, you’ll get an SMS, email, or call, and your card will be delivered to your address.
✅ With this guide, you’re now ready to track your RCBC credit card application confidently. Whether you’re new to credit cards or just applying for your first one, knowing how to check your status saves time and worry.
