Au bank credit card rejeted

[Riyon]

Au bank credit card got rejected yesterday.
My cibil is 785 and my credit utilization is 5-6% max.
I hold nearly 14 credit cards, with a maximum limit of 3 lac, and most cards have 2-3 lac limit.
I dont know why it got rejected.
I got a random call from an agent and as he said he could provide zenith as LTF so i was interested.
Plesae let me know what to do and will i get zenith as ltf anyday?

 

[okotoki]

Email to the AU Credit Card team asking for the reason of rejection.

 

[Riyon]

Email to the AU Credit Card team asking for the reason of rejection.

Sent a mail to creditcard.priority@aubank.in but received any response not even auto mailer.

 

[Kumar93196]

Zenith is discontinued so think twice before applying.

 

[Kumar93196]

Zenith is discontinued so think twice before applying.

And rejection doesn't means you are not eligible there might be more enquiries in last 6 months or you have enough loan and credit card combined together.

Share both the pincodes.if possible office as well as residence to check its serviceable or not.

 

[Riyon]

And rejection doesn't means you are not eligible there might be more enquiries in last 6 months or you have enough loan and credit card combined together.

Share both the pincodes.if possible office as well as residence to check its serviceable or not.

My current pincode is 560017 and permanent is 711201. I dont have any loan right now i applied for a home loan which will get approved by this month.

 

[TechnoFi]

My current pincode is 560017 and permanent is 711201. I dont have any loan right now i applied for a home load which will get approved by this month.

IMO may be pincode non-serviceable criteria is the main reason for rejection. kindly check it with concerned branch/customer care.

 

[Riyon]

IMO may be pincode non-serviceable criteria is the main reason for rejection. kindly check it with concerned branch/customer care.

As i mentioned tried to sent a mail but no response. My current pincode is from bangalore so i dont think its not serviceable. Please provide me the customer care no i will call the customer care.

 

[DeadFella]

AU has a high rejection rate to self employed applicants.

 

[Kumar93196]

My current pincode is 560017 and permanent is 711201. I dont have any loan right now i applied for a home load which will get approved by this month.

Are you salaried or self employed?
Current residence pincode?
Office pincode?

 

[Riyon]

Are you salaried or self employed?
Current residence pincode?
Office pincode?

Salaried 10.63 per annum
Company - Bigbasket (Innovative Retail Concepts Private Limited).
Current pincode- 560017
Office - 560071

 

[nemesis23]

As others mentioned Au Zenith and zenith plus approval is very strict , I myself got rejected with 20L ITR , so I would suggest just accept and move on. Usually they reply in the mail ID you have mentioned if not mail to their nodal office pno@aubank.in

 

[Riyon]

As others mentioned Au Zenith and zenith plus approval is very strict , I myself got rejected with 20L ITR , so I would suggest just accept and move on. Usually they reply in the mail ID you have mentioned if not mail to their nodal office pno@aubank.in

Just got this reply. and when i applied the agent said whatever card approval will come he will send me the screenshot. So he said if zenith approval comes we will apply zenith. like this he said.

 

[tachniki]

i applied for a home load which will get approved by this month.

Not that it matters, but your credit score will increase further after this. 🙂

 

[sunit123]

Bus, Train, Ladki/Ladke aur Credit Card ke peeche nahin bhagna chahiye...Ek jaata hain toh doosra apply karo...Just move on in life.....

 

[DeadFella]

Au cards are not attractive, should move on with other rewarding cards like SBI Cashback or Hdfc nue infinity.

 

[Riyon]

Au cards are not attractive, should move on with other rewarding cards like SBI Cashback or Hdfc nue infinity.

HDFC infinity i have(LTF) , sbi cashback got rejected one month back dont know why im already holding one sbi card.
AU Zenith i wanted because of the movie benefit.

 

[fradela]

AU Zenith is discontinued.

I recently got AU Vetta as LTF.

They said, all credit cards are LTF except Zenith Plus.

 

[fradela]

Applied online or offline?

I applied online within 4 days I received Physical Card.

 

[fradela]