Applied for celesta got Signet

[Vinay13]

Hi , i qualify for Federal bank’s celesta cc
While i applied for celesta I got Signet approved. Tried calling and mailing , no response

 

[Vinay13]

@SSV @helloworld @fradela @Pissant

 

[Beyond]

@SSV @helloworld @fradela @Pissant

Any relationship with Federal bank is a headache
But bank may give any card based on your profile , covered under t&c
Regardless you can opt to intervene by pno&rbi

 

[helloworld]

Hi , i qualify for Federal bank’s celesta cc
While i applied for celesta I got Signet approved. Tried calling and mailing , no response

its upto the bank to provide which card they want to give it you regardless of your eligibility.

if you really want that card, do not activate if and when they asked convey your request to them.

or use and wait for upgrade. Btw, if limit is more than 4L than its easy to get upgraded to celesta.

whats the highest limit in your CIBIL, based on that they provide suitable cards to you.

 

[Rishabh]

Same happened with me 2 years back, & had stuck with Signet for so long just to wait for Upgrade & Limit enhancement which never happened.
By any chance you selected Rupay as variant during application process, because if thats d case then bank is offering only Signet card on Rupay.

Refer to below post for my Signet to Celesta journey: -

Thread 'Upgraded Federal Signet(Rupay) to Celesta(MC) (indirect way: Close & Reapply) in 2 days with 13x Limit Enhancement :)'

Jan 13, 2025

Hello TFians !!!

Surprise post🙂

After holding Rupay Signet card from almost 2 years and number of requests & complaints to get Card Limit Enhancement or Upgrade which were never fulfilled, last week out of frustration I just got my Signet card closed.
I used to laugh when I got my Signet card with limit not enough to buy a good smartphone, don't know what Federal was doing when assigning such low limit of 30k in spite of having good CIBIL & other bank cards with limit way much higher than of Signet.

I was aware & told by Fed bank executive about the cooling period of 90 days to wait to...

• Rishabh
• federal limit limit enhancement
• Replies: 13
• Forum: Federal Bank Credit Card

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[sjmajumder]

Hi , i qualify for Federal bank’s celesta cc
While i applied for celesta I got Signet approved. Tried calling and mailing , no response

How did you apply for Celesta? There is no such option.

 

[Vinay13]

its upto the bank to provide which card they want to give it you regardless of your eligibility.

if you really want that card, do not activate if and when they asked convey your request to them.

or use and wait for upgrade. Btw, if limit is more than 4L than its easy to get upgraded to celesta.

whats the highest limit in your CIBIL, based on that they provide suitable cards to you.

that's the Shitty part. They have given me 1L limit, I have Amex, axis cc with 13L limit. I can file complaint with RBI Ob to get compensation?

 

[Vinay13]

How did you apply for Celesta? There is no such option.

On their website https://www.federalbank.co.in/celesta-credit-card

 

[sjmajumder]

that's the Shitty part. They have given me 1L limit, I have Amex, axis cc with 13L limit. I can file complaint with RBI Ob to get compensation?

complaint against what? compensation for what?

 

[Vinay13]

Recieved mail from Bank saying it is centrally derived, and they do not have any control on it

 

[sjmajumder]

On their website https://www.federalbank.co.in/celesta-credit-card

That is the Celesta product page and when you click apply now it takes you to CC application page and not Celesta application page. There is no option to apply for specific CCs in Federal Bank.

 

[Vinay13]

complaint against what? compensation for what?

for CIBIL hit and wrongful issuance of product. You tell me if this can be done or not , You are THE EXPERT.

 

[helloworld]

that's the Shitty part. They have given me 1L limit, I have Amex, axis cc with 13L limit. I can file complaint with RBI Ob to get compensation?

for CIBIL hit and wrongful issuance of product. You tell me if this can be done or not , You are THE EXPERT.

On bank side, they didn't assured you any card (are they sent any pre-approved mails?), apply now will take you default location in that bank which provide suitable cards based on CIBIL profile or whatever their internal parameters based on that only.

So, here wrongful issuance (you may call it like this but they may call it rightful issuance) and cibil hit both done with your consent only, not eligible for complaint or compensation.

As mentioned earlier, do not activate wait for their call when they called you, convery your interest of other card. Or try your luck after 2/3 months.

 

[Rishabh]

Have you selected 'Rupay' during card application process?

 

[Vinay13]

Have you selected 'Rupay' during card application process?

nope and received VISA only

 

[Pissant]

Do you have emails/screenshots showing that your application was for celesta?

 

[sjmajumder]

Do you have emails/screenshots showing that your application was for celesta?

There is no such option how can he have screenshots?

 

[Vinay13]

Now you have understood my situation then what should i do? I only wanted celesta for lounge access (because coverage is good) and some offers time to time. Should i activate my signet or wait 2-3 months and again apply for celesta

 

[Arun Pratheep]

When I applied, I had the option to select all three cards Celesta, Signet and Imperio with the option to choose the card variant.
Only catch was that for Signet and Imperio they were offering me 11 Lakh limit and if I selected Celesta then the limit was reduced to 756000.

I choose Celesta Visa variant.

 

[Rishabh]

Now a days Card selection screen gets skipped during application process.