How to check Union Bank credit card application status

Waiting to know your Union Bank credit card application status can feel uncertain. You may have applied online, at a branch, or via an affiliate.

Either way, checking progress helps you stay informed and plan your next steps—whether that means preparing documents, scheduling a follow-up, or simply knowing when to expect your card.

Union Bank offers several ways to track your application: a secure portal, a conversational chatbot named Rafa, and phone-based customer support.

Understanding how to use each option lets applicants choose the one that fits their preference and access.

Drawing from Union Bank’s official instructions and real user experiences, this article walks you through each method step by step. You’ll also gain insight into typical processing stages and tips to avoid common delays.

Access via Union Bank’s Official Portal

Before attempting any method, it’s important to have your application reference number on hand. This unique identifier is typically sent by SMS or email after submitting your application.

The portal offers a structured and secure way to check status, with strong authentication.

Steps to check using the portal:

• Visit Union Bank’s official application status page.
• Enter the reference number (or associated email).
• Input the one-time verification code sent to your registered mobile number.
• Tap Submit to view your current stage—such as “Verification” or “Approved.”

Asking Rafa, the Union Bank Chatbot

Union Bank enhances convenience with its chatbot called Rafa. This tool lets you simply ask about application progress in a conversational tone.

Before using Rafa, note that having your reference number ready is essential—even for a chat interface.

How to use Rafa:

• Go to Union Bank’s website and click the chatbot icon.
• Type “Application status.”
• Provide your reference number when asked.
• Rafa returns your application’s current standing, as stored in the system.

This conversational interface is streamlined for users who prefer a chat-like interaction.

Calling Customer Service for Status

If digital tools fail or produce errors, calling Union Bank’s customer service provides a more traditional option.

Having your reference number and basic personal details prepares you for a smoother call.

Steps to follow on a call:

• Dial Union Bank’s relevant hotline.
• Request “application status” once connected.
• Provide the reference number and details to verify identity.
• Ask the agent for your current application stage.

Reddit users have also shared that pressing specific keypad options (e.g., “press 3 then 2”) helps navigate to status queries more quickly.

This method is helpful for those needing direct confirmation or experiencing persistent portal issues.

Common Application Stages and What to Expect

Before detailing further, it’s helpful to understand what each status typically means. Many applicants move through these stages:

• Verification: Basic documents and information are being reviewed.
• In Process: Undergoing credit and background checks.
• Approved: Application cleared—card issuance will follow.
• Declined: Application was not successful, often due to incomplete documents or credit issues.

Knowing these stages gives you context when checking your status. For example, a prolonged “Verification” might indicate missing documents; “Approved” signals you’re nearly there.

If the portal shows no change after 5 days, consider following up proactively.

Key Steps for Smooth Tracking

Checking your application efficiently requires a few key habits:

• Keep your reference number readily accessible.
• Confirm your mobile number is live and receiving OTP codes for portal access.
• Save status screenshots or take notes of your progress.
• If no update arrives after 3–5 business days, follow up via Rafa or phone.

These steps help maintain clarity and prevent applications from stalling.

Staying Informed with UnionBank

Staying informed about how to check Union Bank credit card application status makes a significant difference in managing your expectations and reducing anxiety.

By using the portal, chatting with Rafa, or calling customer support, you gain visibility into your card’s journey.

Staying proactive—through note-taking and gentle follow-up—keeps things moving, and often helps avoid unnecessary waiting.

Keep your reference number handy, stay alert to OTPs or SMS notifications, and don’t hesitate to escalate if your application remains stuck.

With a clearer understanding of each step, you can track your application confidently and know what to expect next.

Frequently Asked Questions

1. Where do I find my reference number?
   Your reference number is sent via SMS or email immediately after submitting your credit card application.
2. Is an OTP always needed when using the portal?
   Yes—Union Bank requires a one-time verification code sent to your registered mobile number for secure access.
3. Can Rafa provide updates without a portal?
   Yes—Rafa can retrieve your application status through conversation using your reference number.
4. What does “In Process” mean?
   This means credit checks and verification are ongoing, usually taking a few business days to complete.
5. How long should I wait before calling customer support?
   If your application status remains unchanged after 3–5 business days, calling for an update is advisable.