RCBC Credit Card Application Pending or No Update: How to Follow Up
/
RCBC Credit Card Application Pending or No Update: How to Follow Up
Nag-apply ka na ba ng RCBC credit card pero hanggang ngayon, wala ka pa ring balita kung approved, declined, or pending? Nakaka-frustrate, lalo na kung first time mo mag-apply ng credit card at excited ka na gamitin ito.
For many first-time credit card users in the Philippines, waiting for an update can feel like forever. This guide will explain what pending means, why applications take time, and the right way to follow up with RCBC para hindi ka ma-stress.
What Does “Pending” Mean in RCBC Credit Card Applications?
A pending application means RCBC has received your documents, but they haven’t made a final decision yet.
It can mean:
Your application is still under review.
The bank is doing background verification (income, employment, or credit history).
They are waiting for additional documents.
💡 Pending ≠Rejected. It just means the bank hasn’t given the final word.
Why Is My RCBC Credit Card Application Still Pending?
1. Document Verification
Banks need to confirm your IDs, proof of income, and proof of billing. Any mismatch may cause delays.
2. No or Limited Credit History
First-time applicants often take longer because RCBC needs to assess their ability to manage credit.
3. Employment Confirmation
RCBC usually calls your HR or employer. Kung hindi sila makontak, pwedeng ma-delay ang status.
4. High Volume of Applications
Sometimes, the delay is simply because of many applications being processed.
How Long Does RCBC Take to Process Credit Card Applications?
Average processing time: 7–15 banking days.
Possible delays: Up to 30 days if documents need re-checking.
If it’s beyond 3 weeks with no update, that’s the best time to follow up.
How to Follow Up on Your RCBC Credit Card Application
Step 1: Wait at Least 7–10 Business Days
Don’t panic agad. Give RCBC time to process your application.
Step 2: Check SMS or Email Updates
RCBC often sends updates through text or email. Make sure tama ang contact info na nilagay mo.
Step 3: Call the RCBC Bankard Hotline
Prepare your application reference number (if given).
Be ready with your personal details for verification.
Step 4: Visit an RCBC Branch
If calling doesn’t help, bring your valid IDs and ask for an update directly at the branch.
What to Do While Waiting for Approval
1. Review Your Finances
Make sure kaya mong bayaran ang monthly dues. 👉 Try the free Credit Card Cost Calculator to estimate monthly payments, interest, and fees.
2. Build Your Credit Profile
Pay your bills on time, maintain a bank account, and avoid bounced checks.
3. Prepare Backup Options
Consider applying for a secured credit card while waiting. This helps build your credit history.
Benefits of Getting Approved for an RCBC Credit Card
While waiting, improve your credit profile and keep your documents complete for faster approval.
FAQs About RCBC Credit Card Pending Applications
1. How long does it usually take for RCBC to approve a credit card? Normally 7–15 banking days, but sometimes longer if verification is delayed.
2. Does pending mean I’m rejected? No. Pending means your application is still under review.
3. What if I never receive an update? Call the RCBC Bankard hotline or visit a branch to follow up.
4. Can I reapply while my application is still pending? No. Wait for the final decision before submitting a new application.
5. How can I speed up the approval process? Submit complete and updated documents, and make sure your employer or references are reachable.
✅ Final Tip: A pending status can be stressful, pero don’t lose hope. It’s not a rejection — it’s just part of the process. Stay patient, follow up properly, and prepare your finances para once approved, ready ka na to enjoy the benefits of an RCBC credit card.
