I applied for Au Credit Card using my HDFC regalia card though their Swipe Up Platform program. It's a card-to-card program through which you get LTF credit cards from Au Bank.
While applying, the application went though and got a pre-approved card with a credit limit of 8L. Just then, proceeded for video KYC and got that done as well. Now soon after, received a text message that the physical verification would be initiated soon.
Now, after 2-3 days from then, a personnel (must be through a vendor) came to my residence address. When he came, there was no call/message from bank's or that person's end that he would be reaching to the address. Coincidently, my brother was at home that day, and he answered his queries related to the application - verified details, asked question from how long I have been staying there. We have been at that address since < 1 year only as we recently shifted.
Around same time, a personnel from the bank was in touch with me over phone call and emails, seeking clarification on the different cities for my office and residence address. I clarified that I am WFH and hence this, to which she asked me to declare the same over email. It was her official email to which I reverted and she said that the card would be approved and dispatched in next 3-4 days.
After next 4-5 days, I checked the application status, and to my surprise my application was rejected. I called up the bank personnel to which I was in touch over mail as well as phone calls, queried around the application status. To this, she assured that there must had been some confusion, and she'll get it checked and the card dispatched soon. I followed up on this for next 2-3 days over mail, and then she stopped calling up and hence I had no update on why and what of my card application.
Following that, I called up the customer care over video call and asked for the application status and the reason behind rejection. To which they told that since there's a mismatch between your office address and your present address, both being in two different cities, it has been rejected. I told him the entire story about my declaration over mail and the constant follow ups on the same by the bank personnel, she said she can't do anything.
Now, here I raised this with RBI Ombudsman, to which the bank reverted saying - "rejected because eligibility criteria was not met". Till date, I don't know what this criteria was which was not met. A personnel from bank called me just to update that since eligibility criteria was not met, your application was rejected. When I asked what is that criteria, he said the bank will reply to the RBI Ombudsman and can't share this detail with me due to internal policy! and He told this with the utmost rudeness he could have. God knows what ethics these guys follow, but for a moment I felt really bad and thought if I should ever have a relationship with this bank in future.
Nevertheless, please suggest if anything can be done on this now. It's already been 3 months roughly since these series of incident happened.
While applying, the application went though and got a pre-approved card with a credit limit of 8L. Just then, proceeded for video KYC and got that done as well. Now soon after, received a text message that the physical verification would be initiated soon.
Now, after 2-3 days from then, a personnel (must be through a vendor) came to my residence address. When he came, there was no call/message from bank's or that person's end that he would be reaching to the address. Coincidently, my brother was at home that day, and he answered his queries related to the application - verified details, asked question from how long I have been staying there. We have been at that address since < 1 year only as we recently shifted.
Around same time, a personnel from the bank was in touch with me over phone call and emails, seeking clarification on the different cities for my office and residence address. I clarified that I am WFH and hence this, to which she asked me to declare the same over email. It was her official email to which I reverted and she said that the card would be approved and dispatched in next 3-4 days.
After next 4-5 days, I checked the application status, and to my surprise my application was rejected. I called up the bank personnel to which I was in touch over mail as well as phone calls, queried around the application status. To this, she assured that there must had been some confusion, and she'll get it checked and the card dispatched soon. I followed up on this for next 2-3 days over mail, and then she stopped calling up and hence I had no update on why and what of my card application.
Following that, I called up the customer care over video call and asked for the application status and the reason behind rejection. To which they told that since there's a mismatch between your office address and your present address, both being in two different cities, it has been rejected. I told him the entire story about my declaration over mail and the constant follow ups on the same by the bank personnel, she said she can't do anything.
Now, here I raised this with RBI Ombudsman, to which the bank reverted saying - "rejected because eligibility criteria was not met". Till date, I don't know what this criteria was which was not met. A personnel from bank called me just to update that since eligibility criteria was not met, your application was rejected. When I asked what is that criteria, he said the bank will reply to the RBI Ombudsman and can't share this detail with me due to internal policy! and He told this with the utmost rudeness he could have. God knows what ethics these guys follow, but for a moment I felt really bad and thought if I should ever have a relationship with this bank in future.
Nevertheless, please suggest if anything can be done on this now. It's already been 3 months roughly since these series of incident happened.
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