yieldway17
TF Buzz
CIBIL score - 790+
Highest limit - 7.25L
Other cards - Regalia Gold, AmEx Plat. Travel, few more
Axis relationship:
Applied for MyZone LTF couple of weeks back as it was showing as offer on netbanking portal on sign-in. I don't need it but thought better to get an Axis card for payment offers as I wanted to take Yes card with Kiwi.
Got application number in 5 mins, and received rejection message within 1hr. Emailed NO and PNO, and they said rejection stands as per internal norms and I will get exact reason in post in 2 weeks. They offered Axis Insta Easy as secured card against my FD instead. Curiously, I have myCIBIL subscription, and I never got an alert for credit check. I assumed it was probably because of me not maintaining MAB in savings account and they see me as credit risk or something. I laughed at the situation and moved on.
Today, I got a series of messages saying my credit application with same application number was received, in process, etc. Got a SMS from CIBIL at the same time on credit check as well. Checked in application status form and it still says Application Received or whatever with timestamp 2 weeks back.
What even is this now? Are they just doing the steps for earlier rejection now or they took this application for processing again or just a tech glitch?
Highest limit - 7.25L
Other cards - Regalia Gold, AmEx Plat. Travel, few more
Axis relationship:
- Prime Savings account where I was getting salary till 2020 and later try to maintain MAB of 25k (earlier it was 15k) but sometimes miss MAB requirement and I get messages saying the same.
- FD of 1.5L.
- Closed Flipkart Axis card. (Long story - couldn't get Flipkart LTF offer as Flipkart team said I was an Axis customer and Axis doesn't allow some customers thru Flipkart, might be just their speculation. I directly applied via Axis for 500 annual fee and closed after 2 years)
- Active Kiwi Rupay card
Applied for MyZone LTF couple of weeks back as it was showing as offer on netbanking portal on sign-in. I don't need it but thought better to get an Axis card for payment offers as I wanted to take Yes card with Kiwi.
Got application number in 5 mins, and received rejection message within 1hr. Emailed NO and PNO, and they said rejection stands as per internal norms and I will get exact reason in post in 2 weeks. They offered Axis Insta Easy as secured card against my FD instead. Curiously, I have myCIBIL subscription, and I never got an alert for credit check. I assumed it was probably because of me not maintaining MAB in savings account and they see me as credit risk or something. I laughed at the situation and moved on.
Today, I got a series of messages saying my credit application with same application number was received, in process, etc. Got a SMS from CIBIL at the same time on credit check as well. Checked in application status form and it still says Application Received or whatever with timestamp 2 weeks back.
What even is this now? Are they just doing the steps for earlier rejection now or they took this application for processing again or just a tech glitch?
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