How to Check FAB Credit Card Application Status in UAE

First Abu Dhabi Bank (FAB), formed after the merger of the First Gulf Bank and the National Bank of Abu Dhabi, is one of the largest banks in the UAE. Among its popular offerings are FAB credit cards that bring the benefits of easy transactions and a range of rewards.

Applying for FAB credit cards in the UAE and checking the application status is a straightforward process. In this article, we will focus on the post-application part and understand how to check FAB credit card application status.

An Overview of FAB Credit Cards

First Abu Dhabi Bank, just like other leading financial institutions in the UAE, offers different types of credit cards to help users make seamless transactions and enjoy rewards on expenditures.

With FAB, you can find around 12 different types of credit cards along with multiple other facilities. You can conveniently apply for any of these cards via net banking and a host of other modes.

As you apply for a credit card, you may get an application number to track your FAB Bank credit card application status.

FAB Bank Credit Card Application Status Online

Here’s how you can check your credit card application status online -

Via Internet Banking

• Visit the official site of the concerned bank.
• Move to the cards tab and locate the option for tracking your credit card status.
• Provide the required details to proceed with your request.

If you are an existing FAB customer, you can log into your online banking account with your net banking details. Next, you can choose the option for applications or credit cards and check your FAB credit card application status to know more.

Via Mobile Application

• Download the official mobile app of FAB from the Google Play Store or the Apple Store.
• Log in with your internet banking details.
• Find the FAB Bank credit card application status check option on the app.
• Enter your details and follow the prompted steps to check the application status.

FAB Credit Card Application Status Offline

Let’s take a look at the steps to check your FAB credit card status offline -

FAB Branch Visit

• Find your nearest First Abu Dhabi Bank branch.
• Remember the application reference number that you were given when applying for a credit card.
• Carry necessary documents to the branch, which may include your Emirates ID.
• When you get to the branch, go to the customer service desk to ask about your credit card status.
• Submit the specified documents and application reference number to the concerned bank agent to get your FAB credit card application status.

Via Phone Call

Alternatively, you can contact the customer support of FAB. For this, simply dial 

• 600 52 5500 if you are a customer in the UAE 
• +971 2 681 1511 if you are outside the UAE

Once connected, you can enquire about your FAB credit card application status.

How to Increase the Chances of Getting FAB Credit Card Application Approved?

To avoid FAB credit card application rejection, you must consider a few things beforehand. Firstly, you should be aware of the eligibility criteria - as FAB offers different types of credit cards, the eligibility criteria also may differ.

Here are a few general criteria that every applicant should meet -

• The applicant must have a legitimate UAE ID.
• The applicant must have a stable source of earning
• The criteria of minimum monthly salary must be fulfilled.

To increase the chances of swift credit card approval, you can follow a few tips -

Build a Good Credit Score

Whenever you apply for credit, whether a credit card or a loan, the concerned bank will check your credit Score first. This is because this three-digit number in the UAE represents your creditworthiness as a borrower.

With a good credit score, you can expect quick approvals as well as favourable terms. Thus, if your credit score is not up to the mark, you can try a few steps like paying bills on time, refraining from late payments, maintaining a healthy credit utilisation ratio, and so on.

Note: You can check your credit score range for free on Policybazaar.ae. 

Mention All Income Sources

The next point that you need to take care of is your income. Increasing your total monthly income will also improve your debt repayment capabilities. 

Thus, you can mention all your income sources at the time of application. Meanwhile, you can also try to work on different income sources to increase your overall income. 

Lower Your Existing Debt

When you apply for new credit, the bank may look at your existing debt and how it fares against your monthly income. Since you are in the process of securing additional debt, lowering your current liabilities, if any, will only bolster your case.

Factors to Consider in the Case of FAB Credit Card Application Rejection

If your FAB credit card application is rejected, you should do the following things —

• Understand the Reasons - Ask for a detailed explanation of why your credit card application was turned down. FAB may provide insights into specific reasons such as a low credit score, insufficient income, or other factors.
• Check Your Credit Score - If you face a credit card rejection due to a poor credit score, you can work on improving it.
• Address the Concerns - After you find out the reasons, you must address the concerns properly, such as building a good credit score, paying off debt, raising your income, and more. 
• Wait for a Few Months - Refrain from reapplying right after getting a credit card rejection. You should ideally wait for a few months and resolve all the issues that lead to the rejection before applying again.
• Apply for a Secured Credit Card - If you have an urgency of getting a credit card, you can opt for a secured one in the meantime. Secured credit cards are issued against collateral and usually have more lenient requirements compared to unsecured credit cards.

Check out some frequently asked questions related to FAB credit card application status below -

Frequently Asked Questions