Axis Bank Credit Card Rejection - Need Advice

[stranger44]

Axis Bank credit card is getting rejected again and again. This is the 4th time. Now I will have to wait for 6 months again. CIBIL was also good 770 and no late payment bus utilization was 29%. And when I asked the customer care about the reason they said bank's internal policy. I am self-employed. 8 lakh ITR. I went to the branch and asked they said I am self-employed that's why I am facing problems. Open the account by giving a cheque of 5 lakhs. I will give you the credit card immediately. Someone tell me what should I do now? Will I get a pre-approved offer in 3 to 6 months by opening a normal account?

 

[me_sovon]

5 lakh ka check? Kaunsa variant open karenge?

 

[KLB@96]

Same here, 4th time axis rejected my application , while my cibil is 780+ , holding 20+ cards.

 

[mailmenow]

Axis Bank credit card is getting rejected again and again. This is the 4th time. Now I will have to wait for 6 months again. CIBIL was also good 770 and no late payment bus utilization was 29%. And when I asked the customer care about the reason they said bank's internal policy. I am self-employed. 8 lakh ITR. I went to the branch and asked they said I am self-employed that's why I am facing problems. Open the account by giving a cheque of 5 lakhs. I will give you the credit card immediately. Someone tell me what should I do now? Will I get a pre-approved offer in 3 to 6 months by opening a normal account?

I got Airtel credit card as self-employed. If you are a existing customer they won't ask for ITR/salary slip. So that u can enter some higher amount as annual income for higher limit

 

[drvirag]

open a normal saving ac. keep gud balance aprx 1 lakh n use its dc. u ll get pre aproved offer in 4-6 mnth. or else if u apply most likely it will b aproved.

 

[praful47]

Axis Bank credit card is getting rejected again and again. This is the 4th time. Now I will have to wait for 6 months again. CIBIL was also good 770 and no late payment bus utilization was 29%. And when I asked the customer care about the reason they said bank's internal policy. I am self-employed. 8 lakh ITR. I went to the branch and asked they said I am self-employed that's why I am facing problems. Open the account by giving a cheque of 5 lakhs. I will give you the credit card immediately. Someone tell me what should I do now? Will I get a pre-approved offer in 3 to 6 months by opening a normal account?

Try Applying co- branded credit card like flipkart, ace

 

[BVCBVC is verified member.]

Axis Bank credit card is getting rejected again and again. This is the 4th time. Now I will have to wait for 6 months again. CIBIL was also good 770 and no late payment bus utilization was 29%. And when I asked the customer care about the reason they said bank's internal policy. I am self-employed. 8 lakh ITR. I went to the branch and asked they said I am self-employed that's why I am facing problems. Open the account by giving a cheque of 5 lakhs. I will give you the credit card immediately. Someone tell me what should I do now? Will I get a pre-approved offer in 3 to 6 months by opening a normal account?

5L IP and immediate CC, that's not possible. Better open 25AMB account, maintain decent amount (Around 50K). Do UPI txns, make some other bank CC payments. Later on you will get pre approved offers within 6 months. Just give a cool down period.

Just to make clear do you have any issues with Axis bank CC in the past? May be someone from your family took Add on Card on your name?

 

[stranger44]

5L IP and immediate CC, that's not possible. Better open 25AMB account, maintain decent amount (Around 50K). Do UPI txns, make some other bank CC payments. Later on you will get pre approved offers within 6 months. Just give a cool down period.

Just to make clear do you have any issues with Axis bank CC in the past? May be someone from your family took Add on Card on your name?

No, I never had an Axis Bank credit card. I only had a pay later account. I never used it. And I closed it 2 years ago.

 

[drvirag]

No, I never had an Axis Bank credit card. I only had a pay later account. I never used it. And I closed it 2 years ago.

Its ok just open a normal saving ac n use it for ur daily transaction. U ll get pre approved offer after few months.

 

[BVCBVC is verified member.]

5L IP and immediate CC, that's not possible. Better open 25AMB account, maintain decent amount (Around 50K). Do UPI txns, make some other bank CC payments. Later on you will get pre approved offers within 6 months. Just give a cool down period.

Just to make clear do you have any issues with Axis bank CC in the past? May be someone from your family took Add on Card on your name?

@stranger44 then try to follow the above mentioned procedure. That's it for now, just give cool down period for Axis Bank CC.

 

[stranger44]

5 lakh ka check? Kaunsa variant open karenge?

Pata nahi. Mujhe bharosa nahi inn agents pe isiliye maine account open karne se mana kar diya. Abhi normal account hi open karunga.

 

[me_sovon]

Pata nahi. Mujhe bharosa nahi inn agents pe isiliye maine account open karne se mana kar diya. Abhi normal account hi open karunga.

Haan bhai sahi kiya.
Maine bhi ek Libarty account open karwaya 25k wala, and ek FD kar diya hai 15k, 3 months baad close kar dunga FD ko.

And account ko bhi downgrade karke regular 12k Wala account kar lunga.