Batmanbaba
TF Legend
They are not going to give exact reason ever...... I contacted even sbi and icici pno... Only internal criteria.. Nothing concrete
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Axis bank rejects credit card application
- Thread starter Akshay Ajmera
- Start date
Looks like axis apply karke koi fayda nahi.. reject hi hona hai to
Batmanbaba
TF Legend
Bhai its completely random... Inka koi fixed criteria ni hai... Its pure luck....sare bank ka yahi haal hai...
Ha yahi lag raha..bekar me dimag ka dahi hota hai
rjsudeep
TF Premier
Very hard to justify the reason for rejection then. Is your pincode serviceable?
Yes. My colleague got it from same office same pincode.
rjsudeep
TF Premier
Sad man 🙁 I guess you'll just need to wait and keep applying post cooldown.
Yeah will try again next year 😂
Batmanbaba
TF Legend
In axis there is no cool down after rejection ... There is only cooldown.. After successful acceptance of ur application... I. E 90 days....
What is your Experian score? Axis also checks Experian in most cases. My CIBIL is 774 & Experian is 827, was approved for MyZone LTF recently.
@Batmanbaba share your scores as well.
Others who got rejected or approved share your scores as well.
Batmanbaba
TF Legend
rjsudeep
TF Premier
I've confirmed this multiple times with customer care and my local branch head, who keeps saying that they are 100% sure there is a cooldown of 90 days be it accepted or rejected.
Even when my FK Axis was rejected, there was a 90 day cooldown period before I could apply. You were probably just lucky if there wasn't. For most customers, there is a cooldown period, where even if you apply after rejection, you will just get rejected again. Simply an unnecessary hit on credit score. If you're rejected, best thing to do is either ask for a reconsideration or wait, rather than risk another rejection, which will only reflect poorly on you when processing the next application.
Not sure about the latest report (will update here once I get latest Experian) but each time I have applied for Axis, my Experian was hit too.
I checked my Experian report (last month) in which Axis, HDFC, Yes, and SBM (OneCard) have done enquiry.
Darr lagta hai bhai ab axis se🤣
819 while applying. After hit by axis it became 804.
Batmanbaba
TF Legend
Mine experience in sbi and icici... They just copy paste reply what their normal customer care givees
Batmanbaba
TF Legend
Someone applied here only... Two times in one week... His card got approved.... There was some issue in 1st application and it got rejected..
Looks like disappoint hi hona hai
I think you were referring to me. I had applied for axis Vistara infinite. Yeah first application rejected and reason given was incomplete documents. I had submitted only c2c statement. Then applied again wihin 2 days , submitted only salary slips. In person verification was done at office and the card got approved.
Someone in the forum here said it may have been approved as the previous application was faulty. But I had asked the RM at branch too and she said there’s no cooling period as such.
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