An update from my end, after my myzone application rejection, I waited for 3 months since I got my Axis Ace card. And after 3 months I checked my axis app on - Apply credit card section, and I could see pre-approved card offers. Axis MyZone was showing as paid. I went to the axis website and applied for MyZone LTF on March 16 2023 , I completed my application. Next day I got the application reference number, on march 19th I get a call from Axis rep and he says he wants to physically verify my home. He did verification and told me that the card would reach in 10 days. I knew the rep had no idea on the massive decline rate of MyZone LTF. So I was not too optimistic. I checked the application status in 2 days, and it gave me the standard axis cc tracker status that it is in process. I then called customer care, to which they told me to wait for 5 days. In 2 days I get a message that I will get a call and that I have to answer it for verification. The call was an IVR response, where in they read out the details i entered like pincode and others and I had to just confirm it. After that some days more and no status, same with customer care. Then I emailed customer care and they replied with the same response that cc tracker was giving. I then wrote to Nodal Officer. I then get a mail next day saying they are sorry for the inconvenience and that they will now process my application and revert in 1 day. Today morning (Apr 1st) I get up and check my phone, I get a message saying that my Axis Credit limit is increased to XXXXX amount and that will be shared among other cards. I was wondering how could they increase without my consent. Then I go to my axis app and there I see Voila - Axis MyZone credit card showing to be setup. Then get sms of approval.
To give my background -
1. Holding credit cards since 2014. CIBIL 790+
2. Have an Axis SB 6 months+ old.
3. Got Flipkart LTF on Dec 21, Ace Paid Dec 22.
4. I had applied for Myzone LTF on Feb 23 and was declined stating that I was recently issued a credit card (basically 3 months had not passed since i got my last axis card)
5. SB account having amount 1L+ on average
6. Ace being my daily driver, with max chunk of the spends.
I was not optimistic on getting this card as there were news saying no one gets two LTF cards from Axis. But this is not the case also not sure I was approved as it is fiscal end. Also, we have to keep writing to Axis to quicken the process. I assume my Axis shared credit limit increased because they have given a seperate limit for MyZone which was not the case for Ace which had the same limit as my Flipkart as I applied Ace from App with instant approval.
