AU pre approved CC offer for account holders

[zenchill]

I have a zero balance digital account with AU bank and have been getting pre approved LTF credit card offer both through Whatsapp and AU0101 app.

Although the limit offered is very low at 45K and card variant is also not very exciting (LIT and Altura) but its LTF. I am just trying to understand if anyone has gone the pre approved card way and did it result in a hand enquiry on cibil?

I already discussed with @deep@vie via Dm and he says it may not but just opening a thread to see if anyone has gone this route for the card and any subsequent hard enquiry.

Ps: I am trying to improve my cc portfolio but only interested in this offer if it is without a hard enquiry so asking.

 

[ravikumar]

when did you open the account with AU Bank?

 

[deep@vie]

I have a zero balance digital account with AU bank and have been getting pre approved LTF credit card offer both through Whatsapp and AU0101 app.

Although the limit offered is very low at 45K and card variant is also not very exciting (LIT and Altura) but its LTF. I am just trying to understand if anyone has gone the pre approved card way and did it result in a hand enquiry on cibil?

I already discussed with @deep@vie via Dm and he says it may not but just opening a thread to see if anyone has gone this route for the card and any subsequent hard enquiry.

Ps: I am trying to improve my cc portfolio but only interested in this offer if it is without a hard enquiry so asking.

If you've other cards with good limit then don't go for it as LE inAU isn't easy to get.

 

[CardGame]

I have a zero balance digital account with AU bank and have been getting pre approved LTF credit card offer both through Whatsapp and AU0101 app.

Although the limit offered is very low at 45K and card variant is also not very exciting (LIT and Altura) but its LTF. I am just trying to understand if anyone has gone the pre approved card way and did it result in a hand enquiry on cibil?

I already discussed with @deep@vie via Dm and he says it may not but just opening a thread to see if anyone has gone this route for the card and any subsequent hard enquiry.

Ps: I am trying to improve my cc portfolio but only interested in this offer if it is without a hard enquiry so asking.

How old is your account? What was your average balance since account opening?

 

[zenchill]

How old is your account? What was your average balance since account opening?

6 months. nominal 4-5k average balance.

 

[zenchill]

If you've other cards with good limit then don't go for it as LE inAU isn't easy to get.

Thank bhai will let it pass then wait for a better deal.

 

[deep@vie]

Thank bhai will let it pass then wait for a better deal.

It should go away in a month or two.
Then you can get a card via swipeup, it gives 1.5times of existing limit.
If there's no issue in office verification then it's a nobrainer to reject pre-approved offer as the variant as well the limit on these offers is not as par.

 

[zenchill]

It should go away in a month or two.
Then you can get a card via swipeup, it gives 1.5times of existing limit.
If there's no issue in office verification then it's a nobrainer to reject pre-approved offer as the variant as well the limit on these offers is not as par.

Bhai issue is I am self employed and wfh. Any chance it may pass office verification?

 

[deep@vie]

Bhai issue is I am self employed and wfh. Any chance it may pass office verification?

Yes if you've proper infra/set-up & dedicated a separate space for office at home.

 

[Fini7777]

Hi, I recently opened a digital savings acc in AU SFB
I've gone through the credit card section in AU0101 App and found 2 cards displayed over there
1. AU Zenith plus cc
2. AU Spont Rupay cc

Are they really Pre-approved? What are the approval chances if I apply for Zenith plus?
and In general cases what's the time period after which they start pushing pre Approved cc in AU SFB?

 

[deep@vie]

Hi, I recently opened a digital savings acc in AU SFB
I've gone through the credit card section in AU0101 App and found 2 cards displayed over there
1. AU Zenith plus cc
2. AU Spont Rupay cc

Are they really Pre-approved? What are the approval chances if I apply for Zenith plus?
and In general cases what's the time period after which they start pushing pre Approved cc in AU SFB?

No, these are not pre-approved.
To check pre-approved
Go to offer section
Then pre-approved

 

[leonneel]

I have opened au acct in hope to get pre approved cc..I heard even they reject pre approved cc if u can't show office. My past 3 cc application rejected.

 

[Ak Singh]

I have opened au acct in hope to get pre approved cc..I heard even they reject pre approved cc if u can't show office. My past 3 cc application rejected.

Are they verify offline, work and residence in pre approved offers also?

 

[leonneel]

Are they verify offline, work and residence in pre approved offers also?

I haven't got pre approved offer yet. But in normal cc application they definitely do.

 

[deep@vie]

Are they verify offline, work and residence in pre approved offers also?

No . .

 

[deep@vie]

I have opened au acct in hope to get pre approved cc..I heard even they reject pre approved cc if u can't show office. My past 3 cc application rejected.

Maintain good amount in order to get pre-approved offer

 

[leonneel]

Maintain good amount in order to get pre-approved offer

Currently maintaing 60k pm. Still no upgrade yet

 

[deep@vie]

Currently maintaing 60k pm. Still no upgrade yet

Patience is the key here