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Anyone with IDFC First WOW CC got any unsecured IDFC CC?

C

ccgeek07

TF Premier
Few months back I took IDFC First Wow Credit Card by booking an FD. Now when I try to apply for Unsecured CC (trying to apply for Wealth CC), after entering the mobile number and OTP, it's not allowing to apply. Displays "Sorry we can't proceed".

When I contacted Customer Care, one of the representative said since I have a secured card (Wow card) the system will allow to apply only if there's an offer.
I also tried with a different mobile number after entering OTP, it allowed me to next step but later shown as another application in process.

Anyone faced this kind of issue or know the solution?
 
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anonymuos said:
After RBI threat and quoting my TRV/NRV, they checked via my customer ID that I indeed have MAB in savings account and FDs, then nodal desk replied that they have generated pre-approved offer for ALTERNATE number from which I had tried earlier. Due to their flawed system, number associated with WOW card which if it is primary, just can't ever be used to apply for any other IDFC card unless and until they fix that limitation themselves. Card was approved and issued from alternate number - Classic with a 1L limit despite applying on C2C basic of IndusInd 3L. After card is delivered, I will go to branch and get number changed for the card to primary number. FAIL BANK.
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can you pls share what did you write and to which mail id
 
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ccgeek07 said:
can you pls share what did you write and to which mail id
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First try to apply from alternate number but your PAN and Aadhaar so a lead gets generated for that number. Chances are that it will be rejected. Then email them after lead is generated. All the emails listed here: https://www.idfcfirstbank.com/conte...l/list-of-escalation-matrix-with-TAT-v1-5.pdf Write to appropriate email address Nodal officer as per your city. I wrote that my NRV/TRV with the bank is good, I hold multiple unsecured CC with good limits and my CIBIL is good, 100% on time payments. Yet bank was not even allowing me to apply for unsecured CC just because in the past I have been secured WOW card customer. This is unfair and they must let me apply at least otherwise I would complain to RBI for declining/refusing to apply without any valid reason. Whether or not to approve it is still at their discretion, RBI can't force a bank to issue anyone a CC, they can deny if they won't think I am credit-worthy but in this case, I was being blocked just for holding their own WOW card because of this system limitation. They acknowledged that it was a problem with their bank system and generated offer for alternate number, i.e, they said, they generated offer for previously declined C2C application from alternate number, and said continue to apply from that same number and it will get processed.
 
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anonymuos said:
First try to apply from alternate number but your PAN and Aadhaar so a lead gets generated for that number. Chances are that it will be rejected. Then email them after lead is generated. All the emails listed here: https://www.idfcfirstbank.com/conte...l/list-of-escalation-matrix-with-TAT-v1-5.pdf Write to appropriate email address Nodal officer as per your city. I wrote that my NRV/TRV with the bank is good, I hold multiple unsecured CC with good limits and my CIBIL is good, 100% on time payments. Yet bank was not even allowing me to apply for unsecured CC just because in the past I have been secured WOW card customer. This is unfair and they must let me apply at least otherwise I would complain to RBI for declining/refusing to apply without any valid reason. Whether or not to approve it is still at their discretion, RBI can't force a bank to issue anyone a CC, they can deny if they won't think I am credit-worthy but in this case, I was being blocked just for holding their own WOW card because of this system limitation. They acknowledged that it was a problem with their bank system and generated offer for alternate number, i.e, they said, they generated offer for previously declined C2C application and said continue to apply from same number and it will get processed.
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Thanks for the reply
 
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anonymuos said:
After RBI threat and quoting my TRV/NRV, they checked via my customer ID that I indeed have MAB in savings account and FDs, then nodal desk replied that they have generated pre-approved offer for ALTERNATE number from which I had tried earlier. Due to their flawed system, number associated with WOW card which if it is primary, just can't ever be used to apply for any other IDFC card unless and until they fix that limitation themselves. Card was approved and issued from alternate number - Classic with a 1L limit despite applying on C2C basic of IndusInd 3L. After card is delivered, I will go to branch and get number changed for the card to primary number. FAIL BANK.
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Is your customer ID for Wow card and classic card (on alternate number) same or different?
 
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IDFC sending me invites to get secured WOW card. Already have Wealth card. Why would someone get a secured card when he already has a top tier unsecured card?
 
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niks said:
IDFC sending me invites to get secured WOW card. Already have Wealth card. Why would someone get a secured card when he already has a top tier unsecured card?
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Because WOW card has 0% forex, it saved me a ton of money when doing international purchases the entire last year. 0% forex is a feature not very common until Scapia came along and LTF RBL World Safari for Shoprite owners became possible. WOW is not a bad card as long as it has 0% forex even though people associate "secured card" with negative connotations. It's IDFC's system which is broken. If we could hold WOW card plus Wealth/Select/Classic (as many people already do but they got the unsecured card first, it's a good freebie card to hold for 0% forex).
 
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People with only wow card can apply for power/vistara card after that, I got power card this way approved instantly,earlier they refused to give me card due to so called non-servicable area. Later I think I will close wow card
 
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ajaysn22 said:
People with only wow card can apply for power/vistara card after that, I got power card this way approved instantly,earlier they refused to give me card due to so called non-servicable area. Later I think I will close wow card
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What amount of FD you had for wow card.

Did you get any pre approved offer for power card ? How did you applied for that ?
 
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Rahul92 said:
What amount of FD you had for wow card.

Did you get any pre approved offer for power card ? How did you applied for that ?
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No pre approved offer only for wow secured one.
Did A fd of 25k only. After the card was approved I instantly tried for power plus card and was shown 34k limit which is enough for me. I went ahead with the process and power card was approved instantly as well.
I recieved both cards today and might close wow card in future.
 
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ajaysn22 said:
No pre approved offer only for wow secured one.
Did A fd of 25k only. After the card was approved I instantly tried for power plus card and was shown 34k limit which is enough for me. I went ahead with the process and power card was approved instantly as well.
I recieved both cards today and might close wow card in future.
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Wow & Power+ separate limit right? Need to call customer care to upgrade?
 
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Rohan said:
I have saving account with IDFC 10K AMB. When I try to apply credit card facing same issue ("Sorry we can't proceed") and I contacted CC over call & email. As per them for savings account holder can apply only when there is credit card pre-approved offer.

I said again and again I'm applying credit card directly not though any offer or links but as per them credit card can be availed when pre-approved offer is present with customer savings account.

Ref: 17 Jun 2023, 11:15.
View attachment 22358
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Update:

After 3 more attempts my previous credit card application has been removed and able to procced to next steps.

I mailed them every 10 days with different subject, format but same matter after closing previous tickets. May be need to catch correct rep for further internal request.

Capture.PNG
 
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I’m in a similar situation. Whenever I try to apply for a CC using my primary number linked to my savings and Easy Buy card it gives the error “Sorry cannot proceed with your application” ! Other number shows option for Wow card only !!!!!

Any chance that taking out a Consumer loan with IDFC might trigger pre-approved CC offer on the primary mobile number liked to the CD loan & Easybuy card ?
 
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