Axis decline reason

[Tazact]

I have been chronically declined by Axis for their range of cards. All channels applied, opened bank saving a/c, waited for Pre approved offer but couldn't get cc after 5 year & 15+ cc applications.
Worst grievance system, everybody knows very well (Bank's internal policy/credit norm).
One of through banks channel i could get a reply of rejection but still it's a Pandora's Box.

Holding HDFC/SBI/ICICI/SC/YES/PNB/ONE/AMEX/KOTAK/CITI & RBL(FD) CC from last couple of years. Limits are pretty decent on all.
CIBIL 788
Axis is reporting to CIBIL (As a replacement of CITI)
Stable Govt Job In Delhi with 16+ ITR
(Had dual PAN issue which was surrendered & Deactivated by IT Department in August 2023)
Now how to get Axis cc?

 

[Tazact]

What about the preapproved section on the Axis Mobile app?

Home Loan/Car loan/Demat a/c/Term insurance... But No Cc!

 

[dungeonMaster]

I used to apply for basic axis cards and everytime they used to reject me for the same.
Last year applied for magnus on c2c basis offline. Application didn't processed for a while and even was not able to track it. Stumbled upon technofino, and got to know that we can mail to pno team to escalate the same. Did the same and eventually the card is issued.
Now I am even getting reserve as pre-approved on my app.

 

[Tazact]

I used to apply for basic axis cards and everytime they used to reject me for the same.
Last year applied for magnus on c2c basis offline. Application didn't processed for a while and even was not able to track it. Stumbled upon technofino, and got to know that we can mail to pno team to escalate the same. Did the same and eventually the card is issued.
Now I am even getting reserve as pre-approved on my app.

I shall try next time after cool off period
.

 

[Akash Topder]

Home Loan/Car loan/Demat a/c/Term insurance... But No Cc!

What happens when you click on 'Apply Now' button and then click on 'Credit card' and then follow the directions there?

 

[noobdipesh]

I have been chronically declined by Axis for their range of cards. All channels applied, opened bank saving a/c, waited for Pre approved offer but couldn't get cc after 5 year & 15+ cc applications.
Worst grievance system, everybody knows very well (Bank's internal policy/credit norm).
One of through banks channel i could get a reply of rejection but still it's a Pandora's Box.

Holding HDFC/SBI/ICICI/SC/YES/PNB/ONE/AMEX/KOTAK/CITI & RBL(FD) CC from last couple of years. Limits are pretty decent on all.
CIBIL 788
Axis is reporting to CIBIL (As a replacement of CITI)
Stable Govt Job In Delhi with 16+ ITR
(Had dual PAN issue which was surrendered & Deactivated by IT Department in August 2023)
Now how to get Axis cc?

Mera bhi same hi haal h. Pehle Flipkart wala cc tha usko band karwaya phir iocl apply kiya to wo decline kar diye then within 15 days phirse iocl apply kiya to approve kar diye phir maine magnus apply kiya on the basis of ITR to wo decline kar diya but i was ok with this as i hadn't any cc with more than 3 lakhs limit back then phir maine airtel cc apply kiya tha kuch din pehle and wo isko bhi decline kar diye.

 

[Strange]

I have been chronically declined by Axis for their range of cards. All channels applied, opened bank saving a/c, waited for Pre approved offer but couldn't get cc after 5 year & 15+ cc applications.
Worst grievance system, everybody knows very well (Bank's internal policy/credit norm).
One of through banks channel i could get a reply of rejection but still it's a Pandora's Box.

Holding HDFC/SBI/ICICI/SC/YES/PNB/ONE/AMEX/KOTAK/CITI & RBL(FD) CC from last couple of years. Limits are pretty decent on all.
CIBIL 788
Axis is reporting to CIBIL (As a replacement of CITI)
Stable Govt Job In Delhi with 16+ ITR
(Had dual PAN issue which was surrendered & Deactivated by IT Department in August 2023)
Now how to get Axis cc?

I think your PAN is blacklisted by some other bank for having two PAN cards and Axis is using the same bank's database to reject your application.

 

[Riya]

Bro open saving a/c with them
They will immediately offer cc option. Very nice bank unlike Axis

ICICI is like Credit Cards ka cantabil... Buy 1 Get 5,6,7 anything 😂😂😂

 

[Tazact]

I think your PAN is blacklisted by some other bank for having two PAN cards and Axis is using the same bank's database to reject your application.

So Axis is not checking real time details. They rely on some other bank's data who might rely on some other & vicious cycle Countinues.. This is the way our banking industry works!
My Dual PAN has been deleted 6 months ago but i am not getting axis cc probably because of this reason. While Paytm Payment Bank issuing 1000 accounts on same PAN. What a mockery!

 

[HumorSimpson]

So Axis is not checking real time details. They rely on some other bank's data who might rely on some other & vicious cycle Countinues.. This is the way our banking industry works!
My Dual PAN has been deleted 6 months ago but i am not getting axis cc probably because of this reason. While Paytm Payment Bank issuing 1000 accounts on same PAN. What a mockery!

Indeed this is scary. Forget CC, if it is for a home loan, just imagine the pain of losing the dream home because of home load denial.

 

[Strange]

So Axis is not checking real time details. They rely on some other bank's data who might rely on some other & vicious cycle Countinues.. This is the way our banking industry works!
My Dual PAN has been deleted 6 months ago but i am not getting axis cc probably because of this reason. While Paytm Payment Bank issuing 1000 accounts on same PAN. What a mockery!

You are not the only one. If I recall correctly, someone on this forum was unable to get an HSBC credit card due to having two PANs, even though He surrendered the old PAN.

 

[Tazact]

Indeed this is scary. Forget CC, if it is for a home loan, just imagine the pain of losing the dream home because of home load denial.

That's the main reason i want my books clear from any bank. In future i may require any big loan and they may reject

 

[Tejo]

That's the main reason i want my books clear from any bank. In future i may require any big loan and they may reject

Loans rejection at axis is less compared to cc 😅

 

[Tazact]

Seems lot of sufferers by Axis bank

 

[satraghav]

You can get a invitation from an already FK CC holder from Flipkart and apply easily. I have given reference to 2 of my friends who were not getting Apply Offer in FK app, and both got approval easily. You can ask any TF member for FK Referal or DM me for referral.

 

[Tazact]

You can get a invitation from an already FK CC holder from Flipkart and apply easily. I have given reference to 2 of my friends who were not getting Apply Offer in FK app, and both got approval easily. You can ask any TF member for FK Referal or DM me for referral.

Does that pass National Declined Data?

 

[kams.kama]

I have been chronically declined by Axis for their range of cards. All channels applied, opened bank saving a/c, waited for Pre approved offer but couldn't get cc after 5 year & 15+ cc applications.
Worst grievance system, everybody knows very well (Bank's internal policy/credit norm).
One of through banks channel i could get a reply of rejection but still it's a Pandora's Box.

Holding HDFC/SBI/ICICI/SC/YES/PNB/ONE/AMEX/KOTAK/CITI & RBL(FD) CC from last couple of years. Limits are pretty decent on all.
CIBIL 788
Axis is reporting to CIBIL (As a replacement of CITI)
Stable Govt Job In Delhi with 16+ ITR
(Had dual PAN issue which was surrendered & Deactivated by IT Department in August 2023)
Now how to get Axis cc?

Dear Friend,
As per the Clause 6a(i) of Master Direction – Credit Card and Debit Card – Issuance and Conduct Directions dated April 21, 2022 by RBI, "SPECIFIC REASON/S WHICH LEAD TO THE REJECTION OF THE APPLICATION" is to be conveyed in writing. Hence such a blind statement without mentioning the specific reason is invalid. I have attached the relevant RBI circular. First issue a letter to comply the Clause 6a(i) of RBI circular and then file a suit in Consumer Forum. You can easily claim compensation of around 2 lakhs rupees as the rejection of the application could have impacted your CIBIL score as well as it will be recorded in National Decline Data again with which you will face life long problem while you are applying for Personal Loan with any of leading banks. I also faced such problem and filed a case against them under the same clause mentioned by claiming 5 lakhs as compensation.