-
Hey there! Welcome to TFC! View fewer ads on the website just by signing up on TF Community.
IDFC is not offering WOW Credit Card to me
- Thread starter Enthusiastic
- Start date
- Replies 54
- Views 5K
Enthusiastic
TF Premier
Should we try with Different mobile number?
Someone suggested the same. But I am not sure if they will allow us to change our mobile number afterwards. Also, I think they will fetch our credit profile using mobile number too. Correct me if I am wrong.
Enthusiastic
TF Premier
I have 5 bank accounts with same Pan Card and Name, Tried with BOI, SBI BOB, Paytm, Federal. Not working, tgey are unable to resolve Technician Issue.
WOW card is given only against an FD. If you don't have FD you won't get this card.. Apply for some. other IDFC CC
Enthusiastic
TF Premier
I mean, I am not able to do FD with them (technical issue).they are unable to resolve it tgats why they stated that, We can't offer you WOW card.
Get a normal. Select or wealth card or any of the other free cards if your ITR permits, Why do you want to lock an FD for it..FD based cards are only advisable if it is your first card and you don't have any credit history so to start off FD based card can be taken
Enthusiastic
TF Premier
I have credit history with 718 CIBIL and 824 Experien (Lazypay and Amazon Pay Later). I don't have any Card yet, that's why I want to apply WOW card.
718 and 824 are very high different scores. Try another bank. AU Bank or SBI or wherever you have salary account.. First card is always tricky so take whoever gives at whatever limit.. Dont apply to many banks.. Pay on time and over next few years your score will build and. more CC can be added.. all the best
Enthusiastic
TF Premier
Thank You for your Guidance....Tried with Axis & IDFC in this month but I Rejected, I am thinking to Open AC with Axis and HDFC, to get pre-approved offer. Hope this will work for me. Or should I take OneCard?
Honestly. just wait it out for a few months.. So many enquiries on your CIBIL will pull it down further.. Try after 4-6 months if you can.. Will help you in the long run.. Once credit score drops bringing it back up is v difficult without Credit Cards or loans.. so better to wait.. dont rush.. you will need good score in the future life...
Enthusiastic
TF Premier
Yeah, that's why I stopped to apply CC, even thats 2 enquiries have 2.5 months difference 😅. I am really sensitive about CIBIL.
If you really need an unsecured credit card from them then open savings account with them. Use the accounts regularly. Wait for 2-3 months. You will get pre-approved card offer. I am doing the same now. Many in this community got the card same way.
Enthusiastic
TF Premier
Yes, I am Also thinking to do that....
Riteshavenger
TF Buzz
Open icici bank insta save fd account with 10000 rs it gives credit limit of 9000
Enthusiastic
TF Premier
Thank you suggestion, I will think about that...
After the recent app update, I can use the secured card option in the app to open an FD and get a WOW credit card. But, they are offering me a max 25K limit on it, regardless of what FD amount I select. I think it is defaulting to my account balance for some reason.
Surprisingly the option to apply for secured card has been vanished from my IDFC app today.
Enthusiastic
TF Premier
🙆♂️ kya ho raha hai ye IDFC ko? 😅
d
their technology / app was always buggy.. its a weak link.. they need to fix.. they have great product ideas but implementation and service is quite poor.. just like axis
Similar threads
