• Hey there! Welcome to TFC! View fewer ads on the website just by signing up on TF Community.

Axis MyZone application rejected (or was it?)

yieldway17

TF Buzz
CIBIL score - 790+
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?
 
Last edited:
CIBIL score - 790+
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?
Have you got any response/ solution?
 
Have you got any response/ solution?
Hey, yes!

I got a call from some Axis KYC verifier last week out of the blue and wanted to see me in my office, I was wfh that day, he said it was okay and asked some details and dropped the call.

Earlier this week I got an update that my card is approved and will be dispatched and I received it today. Came here to update the same. No idea how the Axis process works.
 
Hey, yes!

I got a call from some Axis KYC verifier last week out of the blue and wanted to see me in my office, I was wfh that day, he said it was okay and asked some details and dropped the call.

Earlier this week I got an update that my card is approved and will be dispatched and I received it today. Came here to update the same. No idea how the Axis process works.
If you can share the timeline of all the episodes as well, it would be nice , as I am in the situation with Axis.
 
If you can share the timeline of all the episodes as well, it would be nice , as I am in the situation with Axis.
This is the entire timeline as shown in the application tracker.

Applied on 14-Feb and received instant rejection the same day. I sent email to PNO on 16-Feb and they responded to me on 19-Feb. Later, I received credit check SMS etc. on 28-Feb.

After that, there was no communication till on 13-Mar from the KYC verifier. Status also changed on 17-Mar as you can see below.

1742473488123.webp
 
I got similarly rejected for Axis Neo master card variant
Have existing Axis Neo Rupay card 😜

Want second Neo card for Zomato additional discount which I think is not allowed as per 🪓 policy

Let me mail PNO and get the clarification 🤣
 
This is the entire timeline as shown in the application tracker.

Applied on 14-Feb and received instant rejection the same day. I sent email to PNO on 16-Feb and they responded to me on 19-Feb. Later, I received credit check SMS etc. on 28-Feb.

After that, there was no communication till on 13-Mar from the KYC verifier. Status also changed on 17-Mar as you can see below.

View attachment 87449
Thanks for taking time out and sharing 👍
 
Back
Top