A really weird issue with address verification of my IDFC First Credit Card application

[CosmicCat]

Yesterday, 12-Sep-2023, I applied for a IDFC First Bank's Classic credit card on their official website.

As I'm self-employed (Freelance Software developer), I work from home, and so I mentioned the office address the same as my home address, and in the occupation, chose "Self Employed."

Within an hour, somebody from their team visited my house and asked for a few basic details about me (Like who owns the house, how many members live here, where I work, etc.) and took a snapshot of the house.

There are following stages in IDFC's credit card application:

Application Submission -> Document verification -> Application verification -> Credit Review -> Application decisioning -> Card generation

Within a few minutes after his visit, the third stage, which is "Application verification" stage, was marked as "done," and the next stage "Credit review" was now shown as pending.


Now, today, 13-Sep-2023 in the afternoon, as soon as I tracked the application, within seconds I got the following SMS:

"Dear <My name>, your credit card application no. <application no.> could not be verified. We will be holding your application for 3 more days. Please provide your complete office address with landmark here https://idfcfr.in/somelink NO DOCUMENTS REQUIRED. Team IDFC FIRST Bank"

I clicked that link and submitted it again without any change (The office address still being my home's address).

And after the submission, when I tracked the application, guess what?

It again reverted to the "Application verification" stage and is now showing it as pending, whereas it was showing as "done" earlier.



Does that mean they will come again to do the verification?

At this point of time, I feel that it is going to be rejected. Both HDFC and ICICI Bank's applications were approved without any physical address verification. Why is IDFC's so troublesome?

 

[Sahil_07]

View attachment 37110see I also faced the same issue my home verification also completed but at the end they declined stating that your home verification is not done that's why declined.
I have mailed the nodal officer they called me and asked the verification person phone number who have done my verification I gave him and they will reply within 5 days

how to mail nodal officer?please provide the gmail id

 

[CosmicCat]

Any reason for this?

Yes. "Internal" policy.

 

[CosmicCat]

how to mail nodal officer?please provide the gmail id

They don't use a Gmail ID. What you're referring to is an "email ID." And their email address is, pno@idfcfirstbank.com.

Good luck.

 

[Sahil_07]

They don't use a Gmail ID. What you're referring to is an "email ID." And their email address is, pno@idfcfirstbank.com.

Good luck.

okay thanks. Can they instruct bank to reconsider(for valid reasons) or is it of no use? or I have to reapply? Was looking for this card for railway lounge

 

[CosmicCat]

okay thanks. Can they instruct bank to reconsider(for valid reasons) or is it of no use? or I have to reapply? Was looking for this card for railway lounge

Are you salaried or self-employed? If you're the latter, send your income proof to the PNO from your work email address mentioned in the Application.

Also, is your office and home address same (Work from home) or different?

 

[Sahil_07]

Are you salaried or self-employed? If you're the latter, send your income proof to the PNO from your work email address mentioned in the Application.

Also, is your office and home address same (Work from home) or different?

different.At the time of applying there was written no income proof required. They did my home verification but not office. Today morning I received a call from idfc, he asked my home address, I told and he said ok thank you, then I received the sms.(i have applied from baruipur which is under there serviceable area

 

[Card Guy]

Yes, it is. I showed them my income proof of the past 3 months. It's approved now. I had to change it from "Self Employed" to "Salaried," as I'm currently working with a single company only, despite filing my income under "Income From Profession" in ITR-4.

So your application got rejected then approved?

 

[Card Guy]

View attachment 37110see I also faced the same issue my home verification also completed but at the end they declined stating that your home verification is not done that's why declined.
I have mailed the nodal officer they called me and asked the verification person phone number who have done my verification I gave him and they will reply within 5 days

Exactly the same thing happened with me can you share what happened next?

 

[CosmicCat]

So your application got rejected then approved?

It wasn't rejected though. Just the application status got reset to a prior stage.

 

[Card Guy]

It wasn't rejected though. Just the application status got reset to a prior stage.

Mine got rejected as the home verification was failed in 1st attempt but after i received the message that my application is on hold i filled it again and then next day home verification was done but still application rejected stating that home verification was unsuccessful

 

[Card Guy]

Mine got rejected as the home verification was failed in 1st attempt but after i received the message that my application is on hold i filled it again and then next day home verification was done but still application rejected stating that home verification was unsuccessful

I think they had previous update and they rejected on that basis