Axis Credit Card Rejection - Should I Ask for Reason?

[rakesh3929]

I recently applied for Axis MyZone CC as it was provided as LTF. Upon applying immediately within 30 minutes I received an SMS saying my credit card application got rejected. There was neither a proper email to denote my receipt of application nor an email mentioning rejection. Everything was through SMS.

Later, when I checked my CIBIL report, I found that there was a CIBIL enquiry for the credit card application and there was a column called "Amount" which showed a whooping 30 Lakh whereas other card application enquiries show only 1000, 10000. Could this be a reason for my application getting rejected? Can this be considered as an error on Axis part? If yes, how do I approach this and fight back?

Note - My current CIBIL score is 783 and Crif score which Axis uses is 793.

 

[rakesh3929]

If they don't do then complaint to RBIO sharing your CIBIL report and complaining that they rejected your application and giving you fake reasons.

Understood. Hope they don't do that and proceed with approving the credit card.

 

[sjmajumder]

Understood. Hope they don't do that and proceed with approving the credit card.

They will not approve the card from your previous application. At best they can ask you to apply again.

 

[rakesh3929]

They will not approve the card from your previous application. At best they can ask you to apply again.

Which means they will do a hard check on CIBIL once again. If so, will they not get the same discrepancy again?

 

[Fini7777]

Afaik, Reconsideration of a rejected applic is possible

 

[rakesh3929]

Afaik, Reconsideration of a rejected applic is possible

Fingers crossed, let me see what the PNO replies.

 

[Ram1]

Fingers crossed, let me see what the PNO replies.

Same happened to me. Application rejected within an hour. How to know enquiry amount in cibil?

 

[rakesh3929]

Same happened to me. Application rejected within an hour. How to know enquiry amount in cibil?

I used Wishfin website, created an account to check my CIBIL. There I saw the enquiry amount column. You can also use this - https://bharatchhatre.com/mini-scripts/cibil-enquiry-amount.php

 

[helloworld]

Same happened to me. Application rejected within an hour. How to know enquiry amount in cibil?

dont worry about it, cibil removed and not affected cibil score anyway.

possible ways:
- can check through experian, generally banks do same amount to all credit report companies.

- can get full report whenever ur dispute solved by cibil itself, that contains amount.

 

[Ram1]

I used Wishfin website, created an account to check my CIBIL. There I saw the enquiry amount column. You can also use this - https://bharatchhatre.com/mini-scripts/cibil-enquiry-amount.php

wthhhhhhhhh mann

 

[Hope]

wthhhhhhhhh mannView attachment 87569

Seems like they doing same amount enquiry for everyone, i applied in feb same 30L enquiry

 

[Ram1]

Seems like they doing same amount enquiry for everyone, i applied in feb same 30L enquiry

Urs approved ?

 

[Hope]

Urs approved ?

Nope. Rejected due to office verification failed*

 

[rakesh3929]

wthhhhhhhhh mannView attachment 87569

You should ask for a reason and if they say CIBIL score criteria not met, then I think they will be quoting a wrong CIBIL score like what happened in my case.

Seems like they doing same amount enquiry for everyone, i applied in feb same 30L enquiry

I don't understand why Axis has to enquire for 30 lakh whereas all other credit card issuing banks like SBI, HDFC, Amex only enquire 1000 or 10000. Axis is clearly doing something dodgy I feel.

 

[Ram1]

Nope. Rejected due to office verification failed*

That is ur first card from axis?

 

[Hope]

That is ur first card from axis?

Nope already hold neo, applied for Airtel axis, later got master one from pre approved

 

[Ram1]

Nope already hold neo, applied for Airtel axis, later got master one from pre approved

Still they did office verification omg

 

[AA007]

You should ask for a reason and if they say CIBIL score criteria not met, then I think they will be quoting a wrong CIBIL score like what happened in my case.


I don't understand why Axis has to enquire for 30 lakh whereas all other credit card issuing banks like SBI, HDFC, Amex only enquire 1000 or 10000. Axis is clearly doing something dodgy I feel.

30 Lakhs 😱

 

[rakesh3929]

@Fini7777 @helloworld @sjmajumder Received yet another copy paste reply from the PNO. I wonder whether these PNO's even read our emails properly. Should I take it up with RBIO. If yes, what category should I lodge the complaint as. Any help/pointers would be appreciated.

 

[Ram1]

@Fini7777 @helloworld @sjmajumder Received yet another copy paste reply from the PNO. I wonder whether these PNO's even read our emails properly. Should I take it up with RBIO. If yes, what category should I lodge the complaint as. Any help/pointers would be appreciated.

View attachment 87641

View attachment 87640

View attachment 87644

Why don't you share your cibil report copy to them?

 

[Fini7777]

Nowadays they r not even reading the emails I think

Reach out to RBIO with these proofs @sjmajumder can better explain u the process