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?

 

[stranger44]

I have 3 cards of Axis, i.e Flipkart, ACE & Airtel, I also faced the same problems on like you before but I applied it through the executive who are calling your phone to gives you several bank various cards offer. Accidentally I was saved someone one of them executive and later call them for my purpose and they applied with their referral code on the application for process. After 3 months back to back I got all of 3 cards on AXIS.

Can you give me the number of that executive. Agli bar uske through hi apply karunga.

 

[MR_RDX]

Apply any SBI co-Branded card like BPCL or SimplyClick through Petrol pump guy & Some agents who are available at Malls or shopping centre you'll get your card immediately
Make sure to at least apply after 35 days of ur last Rejection

This trick will work??? Kyuki mere pass already bahut saare card hai jiski ek bank card ki limit hai axis ka 10lakh limit,icici 2lakh 60k, indusind 1.5lakh,federal 1lakh, hdfc 1lakh, rbl 1lakh 9k, Indian bank 1lakh 36k, pnb 40k, bob 32k,Kotak 1lakh hai...toh possible hai kyuki mere pass already sbi SimplyClick card tha 32k limit k sath lekin 2saal se increase nhi kar rha tha income documents k baad v toh maine band kra diya tha pichle saal or increase nhi krne ka karan wahi bataya jo reject hote time bola jata hai

 

[Arjunvijesh]

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 Flipkart axis card, I got rejected by axis. But I got approved for Flipkart axis card after 6 months and I got preapproved axis neo LFT after 6 months..

 

[stranger44]

Try applying Flipkart axis card, I got rejected by axis. But I got approved for Flipkart axis card after 6 months and I got preapproved axis neo LFT after 6 months..

Kaha se apply Kiya tha flipkart app se ya direct axis bank ke website se.

 

[Arjunvijesh]

Kaha se apply Kiya tha flipkart app se ya direct axis bank ke website se.

Through Flipkart app..

 

[Prem03]

Just open a normal savings Axis account and use it for a few months. You will get pre-approved Axis credit Cards with free Myzone and Neo.

 

[mailmenow]

Just open a normal Axis account and use it for a few months. You will get pre-approved Axis credit Cards with free Myzone and Neo.

I already have 3 credit card. I have been using Flipkart card since 2021. I haven't received any offer on the same. I opened my savings account on 6th Feb. I got Upgrade offer on Flipkart within 2 weeks.

 

[stranger44]

Drop email to Nodal officer if he didn't approve drop to pno if he don't approve drop mail to RBI after 30 days of their last email response mentioned that they're not telling u the exact reason behind the back to back rejection
Kuch dino baad card Approved hoga n Compensation milega jo alag

@IDontThinkSo @BVC @me_sovon
Bro Today I got a reply from the nodal officer. He said that my card was rejected due to low CIBIL score. Whereas my CIBIL was 770. what is the minimum CIBIL require?
And should I mail the PNO for reconsideration.

 

[IDontThinkSo]

@IDontThinkSo @BVC @me_sovon
Bro Today I got a reply from the nodal officer. He said that my card was rejected due to low CIBIL score. Whereas my CIBIL was 770. what is the minimum CIBIL require?
And should I mail the PNO for reconsideration.

They used the word CIBIL or credit score? Maybe check your Experian score once as well.

If your CIBIL is 770, then they are simply giving any random reply for rejection so there is no sense in going that road further.
If you like you may ask them again in the same thread about eligibile score, as 770 is more than enough.

Yes, do mail PNO without citing this reply from nodal. Lets see what reply PNO will give.
Hoping PNO is unaware of reply from nodal, I think the rejection reason might be different this time assuming no reconsideration.

This is FY end, unless there is something weird with the application, LTF cards should be easily accessible.

Which card are you applying for?

 

[stranger44]

They used the word CIBIL or credit score? Maybe check your Experian score once as well.

If your CIBIL is 770, then they are simply giving any random reply for rejection so there is no sense in going that road further.
If you like you may ask them again in the same thread about eligibile score, as 770 is more than enough.

Yes, do mail PNO without citing this reply from nodal. Lets see what reply PNO will give.
Hoping PNO is unaware of reply from nodal, I think the rejection reason might be different this time assuming no reconsideration.

This is FY end, unless there is something weird with the application, LTF cards should be easily accessible.

Which card are you applying for?

Yes they clearly mentioned CIBIL word in their reply. And I applied for axis bank Neo cc.

 

[IDontThinkSo]

Yes they clearly mentioned CIBIL word in their reply. And I applied for axis bank Neo cc.

I am not too hopeful from PNO either.
Banks rarely considers as people in the back office are too arrogant to change the status quo.
I dont think they even are revisiting the application but rather blindly copy pasting replies from clipboard.

Likely you have to approach RBIO, but lets hear from PNO once.

 

[praful47]

I am not too hopeful from PNO either.
Banks rarely considers as people in the back office are too arrogant to change the status quo.
I dont think they even are revisiting the application but rather blindly copy pasting replies from clipboard.

Likely you have to approach RBIO, but lets hear from PNO once.

RBI also cannot do anything as approval and denial are decided by bank .

 

[stranger44]

I am not too hopeful from PNO either.
Banks rarely considers as people in the back office are too arrogant to change the status quo.
I dont think they even are revisiting the application but rather blindly copy pasting replies from clipboard.

Likely you have to approach RBIO, but lets hear from PNO once.

Like you said, Right now I am going to ask them how much CIBIL score they need. Let's see what their response is. I don't think they will reply. And By the way thanks.

 

[IDontThinkSo]

RBI also cannot do anything as approval and denial are decided by bank .

That's not true entirely.

You can search the forum and might easily find many cases where people approached RBIO for card rejection with unjust reasons/response and their card was approved after intervention.

This case might not be as strong because Axis bank has already given a reason and their internal BO does not consider the OP creditworthy. However, many things depends on the RBIO person handling the case.
Sometimes Bank's acknowledgement of RBIO complaint can trigger reconsideration as well.

Such cases are hit and try, but not entirely baseless for RBIO to intervene.

Like you said, Right now I am going to ask them how much CIBIL score they need. Let's see what their response is. I don't think they will reply. And By the way thanks.

Unlikely. PNO might also not help but still you can try. No need to open savings account with Axis, but its your choice. I would suggest not to engage with Axis except for credit cards.
RBIO will also not most likely work in your case, but if its not much trouble, you should atleast file a complain.


Also, for improve changes in cases like yours, its better to apply credit card via bank's credit card department personnel/agent, especially near FY end.

 

[Credit_Cards]

5 lakh ka check? Kaunsa variant open karenge?

burgundy needs 5L IP

 

[mailmenow]

RBI also cannot do anything as approval and denial are decided by bank .

Yes. Nodal&pno are from another escalation only. They simply mentioned the rejection reason as"less cibil score" whether it's true or not . We don't have any proof to substantiate the claim. So RBI can't do anything on the" rejection reason " issue as the approval /decline are purely the discretion of bank

 

[IDontThinkSo]

Like you said, Right now I am going to ask them how much CIBIL score they need. Let's see what their response is. I don't think they will reply. And By the way thanks.

Most likely they won't tell the CIBIL score that's needed for being eligible, but that can be added as a point about non transparency in the process.

Banks share the eligibility criteria for a card mentioning salary/IT and customers apply based on that criteria and CIBIL is part of it.
If they are rejecting on the basis of CIBIL criteria and if they are keeping the number as secret by citing policy then this adds lack of transparency in the process.
Assuming they dont tell the score needed, this point might help in the case.

Also I hope you understand that this is now more like a learning process rather getting the card at this point.