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.

 

[mailmenow]

Finally got 5000 compensation for not providing the rejection reason by bank +5000 compensation for not getting the automated email account statement

 

[Fini7777]

A small win but still a win.

TLDR -
1) Axis bank shared the credit score with RBIO as 715 and my first case was closed.
2) Opened a new RBIO complaint asking to investigate the score of 715 sharing my latest reports and such major difference in CIBIL scores.
3) CIBIL mentioned that I missed payment on January 2025 due to which my score was 715.
4) Justified that I didn't miss any payment and it was erroneous reporting by CIBIL.
5) CIBIL accepted that it was their mistake but Axis bank said "Let it be no matter what, we wont process your application now, go apply fresh"
6) CIBIL compensated Rs.3000 as a goodwill gesture.
7) Requested RBIO to remove the enquiry done on Feb 2025 as it was based on false data.

My first win. Thanks to fellow members - @Fini7777 @SJM @hellowo₹ld @6ix9ine @mailmenow

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Thanks for tagging, most probably u will win the 2nd case as well
Axis is unpredictable but they don't have any way to escape or give excuses