Amex MRCC application rejection

[maneeshsekhri]

I applied for the MRCC through referral, and as soon as I filled the application and submitted it, it got rejected saying that the application doesnt meet internal criteria. Called the customer care, they said cannot tell the reason but re apply only after 3 months.
Cibil is 800+, package is 25lpa+, location is Bangalore, already have some good cc (axis infinite, idfc wealth). Not sure what i did wrong and what should I do differently next time. Any idea? Or happened with someone and they got some solution?

 

[Naro007]

I applied for the MRCC through referral, and as soon as I filled the application and submitted it, it got rejected saying that the application doesnt meet internal criteria. Called the customer care, they said cannot tell the reason but re apply only after 3 months.
Cibil is 800+, package is 25lpa+, location is Bangalore, already have some good cc (axis infinite, idfc wealth). Not sure what i did wrong and what should I do differently next time. Any idea? Or happened with someone and they got some solution?

I think u need to apply for platinum travel, reserve or charge instead...

 

[sousnake]

I applied for the MRCC through referral, and as soon as I filled the application and submitted it, it got rejected saying that the application doesnt meet internal criteria. Called the customer care, they said cannot tell the reason but re apply only after 3 months.
Cibil is 800+, package is 25lpa+, location is Bangalore, already have some good cc (axis infinite, idfc wealth). Not sure what i did wrong and what should I do differently next time. Any idea? Or happened with someone and they got some solution?

Do you have any cc payment miss. I think Amex looks considers missed payment criteria as huge. Else you need to ask reason for declining.
Mail Id's - https://www.technofino.in/community/threads/all-bank-credit-card-department-email-id-phone-no.529/

 

[D₹V]

I applied for the MRCC through referral, and as soon as I filled the application and submitted it, it got rejected saying that the application doesnt meet internal criteria. Called the customer care, they said cannot tell the reason but re apply only after 3 months.
Cibil is 800+, package is 25lpa+, location is Bangalore, already have some good cc (axis infinite, idfc wealth). Not sure what i did wrong and what should I do differently next time. Any idea? Or happened with someone and they got some solution?

Sad brother. Didn't the referral guy guide you??

Next time contact @BestBanker before applilication.

 

[SSV]

I applied for the MRCC through referral, and as soon as I filled the application and submitted it, it got rejected saying that the application doesnt meet internal criteria. Called the customer care, they said cannot tell the reason but re apply only after 3 months.
Cibil is 800+, package is 25lpa+, location is Bangalore, already have some good cc (axis infinite, idfc wealth). Not sure what i did wrong and what should I do differently next time. Any idea? Or happened with someone and they got some solution?

Please check your DM and reply to me the details mentioned.. I may try to help you out in finding the reason for rejection..

 

[LvTefi]

I applied for the MRCC through referral, and as soon as I filled the application and submitted it, it got rejected saying that the application doesnt meet internal criteria. Called the customer care, they said cannot tell the reason but re apply only after 3 months.
Cibil is 800+, package is 25lpa+, location is Bangalore, already have some good cc (axis infinite, idfc wealth). Not sure what i did wrong and what should I do differently next time. Any idea? Or happened with someone and they got some solution?

Mind sharing the rejection reason if you got to know?

 

[7alvis]

So I applied for MRCC and got the video KYC done and uploaded my ITR3 and Form 26AS and my bank statement. My ITR is of 5.99L. This is the response I received on e-mail.

After reviewing your application, it has come to our notice that the details provided in your application do not meet our internal requirements for Card issuance. As a result, we are not able to process your application.

On a call with customer care, they said they can't disclose any reason for the same.
I read over here multiple people got help from @BestBanker and others as well. I too am hoping for some of that magic. 🙏
BTW, my gross income before deductions is 5.99L after deductions, its 4.49. Does that make any difference because afaik CC companies check on gross income. Please correct me if I'm wrong.

 

[vaibhav111vaibhav111 is verified member.]

So I applied for MRCC and got the video KYC done and uploaded my ITR3 and Form 26AS and my bank statement. My ITR is of 5.99L. This is the response I received on e-mail.

On a call with customer care, they said they can't disclose any reason for the same.
I read over here multiple people got help from @BestBanker and others as well. I too am hoping for some of that magic. 🙏
BTW, my gross income before deductions is 5.99L after deductions, its 4.49. Does that make any difference because afaik CC companies check on gross income. Please correct me if I'm wrong.

for MRCC gross total should be >=6 lakhs. that could be reason and also merged your thread and read the comment on this thread.

 

[RAMESH BABU N]

Besides that, the applicant must be from a city/town from their approved serviceable list.

 

[7alvis]

I did ask the customer care person who also said it eligibility is seen before deductions. The person also confirmed that my pin code is serviceable. Gross total being 5.99 will make any difference vs 6L?
I also have 2 credit cards from HDFC and ICICI Amazon and never missed any payments. Also am a part of a home loan, never missed any payments on that too. Credit score last time I saw was 780.

 

[7alvis]

Please check your DM and reply to me the details mentioned.. I may try to help you out in finding the reason for rejection..

Hi. Can you help me too in finding out the exact reason?

 

[SSV]

Hi. Can you help me too in finding out the exact reason?

CHeck your DM.. and Explain your case there in detail

 

[doctortraveller]

I applied for the MRCC today and the application was immediately rejected - did not meet "internal crireria". I spoke to customer care and escalated to their senior. After much prodding, I was told that my CIBIL score of 749 was probably not adequate though my ITR is >50L. Also, was told that my HDFC CC does not appear on the CIBIL report that they pulled. Wonder why that is - I have had that for more than 15years now! Does anyone know when is a good time to reapply, or apply for eg Platinum travel? I don't want hits on my credit scores esp if they are going to reject my application. I was hoping to take advantage of the referral offers valid till 30-Jul. Thanks for your help in advance.

 

[SSV]

I applied for the MRCC today and the application was immediately rejected - did not meet "internal crireria". I spoke to customer care and escalated to their senior. After much prodding, I was told that my CIBIL score of 749 was probably not adequate though my ITR is >50L. Also, was told that my HDFC CC does not appear on the CIBIL report that they pulled. Wonder why that is - I have had that for more than 15years now! Does anyone know when is a good time to reapply, or apply for eg Platinum travel? I don't want hits on my credit scores esp if they are going to reject my application. I was hoping to take advantage of the referral offers valid till 30-Jul. Thanks for your help in advance.

do you have your complete CIBIL report with you?
There is some fundamental issue with your CIBIL that need to be addressed before applying again for an amex card