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Riya
TF Legend
That's a funny question... In my journey till now while applying for cards... Never did a bank gave any specific reason for denial....
Always a consistent answer
DUE TO INTERNAL BANK POLICY🤣🤣🤣
Totally Agree , My Dad is Government Group A officer with credit history of 22 Years. I applied Indian Oil Rupay for him twice, both the times they stated internal policy and declined.
Deepak_Shetty
TF Ace
Axis will mention reason in their rejection email, like duplicate application, insufficient information etc.
HDFC will also tell the reason if we ask and they will reconsider the application if it's in Curable status.
SBI credit card rejection reason can get by contacting their credit card sales team (the person who arrange for physical KYC or you can contact your local credit card department).
AU bank will not tell the reason by email as per their guide lines. If you force PNO team, then they will call you and tell the reason.
These are my / friends personal experience.
Riya
TF Legend
I might not be worthy enough to be told the reason... It was always short and crisp...
Thnks for applying, but we couldn't process with your request due to bank's policy.. You can try after some time..
Thnks for applying, but we couldn't process with your request due to bank's policy.. You can try after some time..
Deepak_Shetty
TF Ace
It's generic reply. We need to ask them to reconsider the decision.
My SBI credit card denial reason was I had 3 credit cards. Actually I had only one active card that time and other 2 are closed and upgraded cards. Later rectified it in their system and got card. Customer care team won't tell you the reason.
Axis application having single name issue. Rectified in their system after few months, so couldn't able to enjoy LTF flipkart axis card and ace card in the initial days.
HDFC 2nd card had declined due to single name issue and rectified it by contacting their grievance team.
AU bank card also got rejected due to single name issue but didn't bother to apply again.
Riya
TF Legend
I once did this process with Standard chartered bank and once when ICICI APay was rejected...
The mail trail went on for weeks but the answer was same bullshit
Deepak_Shetty
TF Ace
Didn't face rejection in ICICI and Standard Chartered credit card application, don't have any personal experience/solution.
Riya
TF Legend
Lucky you...
Facing less rejection plus getting reason for rejection too 😄
Deepak_Shetty
TF Ace
You will get instant approval for amazon pay ICICI card application if you apply this card as 2nd card.
If anybody having single name issue they can apply offline or can open savings account if they want AU bank card. But I am not interested after Zenith devaluation.
Deepak_Shetty
TF Ace
There is a high chance of approval if you apply for standard chartered card through agent but be caution for false commitment. My card got approved without any address proof (I was not there in their serviceable PIN code but managed to get card by quoting relative address) and without physical KYC.
souvikr
TF Premier
I just called customer care and they told that my card is approved and it will be dispatched within 10 days. But no update on the app or cc tracker yet.
Riya
TF Legend
Surprise dena chahte hain wo aapko...
Approval message aane se pehle card aa jaega 🤣
praful47
TF Ace
Your chat support must be enabled then .
Ask for customer id and login in net banking or app .... You will get to know the limit also.
gg123
TF Premier
Well, I called the Customer Care and they said No application is found.
They checked Both the Reference number and registered mobile number.
I was asked to wait another week.
souvikr
TF Premier
In my case when customer service representative greeted me by my first name just by seeing my mobile number, I realised I have been successfully onboarded in their system
Riya
TF Legend
You must have called public bank by mistake.. appki application ko chuhe kha gye honge 🤣🤣🤣
gg123
TF Premier
Burgundy customer they said. Welcome to premium desk they said.
They can't even find my application
duft
TF Buzz
When did you applied? I have applied few days back and also did ekyc but still there is no update on same
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