Cant apply for idfc credit cards

[Dr-green69]

Hi everyone

I applied for idfc credit card on 24/8/2022 which is 6 months 15 days ago and it was rejected just after i enter my number not i want to apply but i cant. Is there any way i can apply as cooldown period is already over and i dont know why i cant apply.

 

[phani11]

Hi everyone

I applied for idfc credit card on 24/8/2022 which is 6 months 15 days ago and it was rejected just after i enter my number not i want to apply but i cant. Is there any way i can apply as cooldown period is already over and i dont know why i cant apply.

Please write a mail and ask for the answer, please also look at below points if any one of them is reason.
1 Is your location serviceable ?
2 was there any single payment delay of any other card
3 do you have multiple pay later accounts / along with any loan.
4 is your cibil > 750

 

[Dr-green69]

1 My area is serviceable as my brother application was approved yesterday and my cousin who lived next door got card few months back

2 i have 100% payment history with no defaults no sattlements no write offs with the cibil of 775

3 i dont have any pay later account only credit card(10) and 3 personal loans

 

[Bob78900]

Hi everyone

I applied for idfc credit card on 24/8/2022 which is 6 months 15 days ago and it was rejected just after i enter my number not i want to apply but i cant. Is there any way i can apply as cooldown period is already over and i dont know why i cant apply.

Tell them to close your last application. What i think is your last application is still not fully closed that's why you're not able to apply again. If this is not the reason then ask them the reason

 

[phani11]

1 My area is serviceable as my brother application was approved yesterday and my cousin who lived next door got card few months back

2 i have 100% payment history with no defaults no sattlements no write offs with the cibil of 775

3 i dont have any pay later account only credit card(10) and 3 personal loans

3rd point could be there reason.. 3 personal loans. I referred to one of my friend a month back and his application was rejected because he has 1 active personal loan of 6 lacs.

 

[Dr-green69]

I

Tell them to close your last application. What i think is your last application is still not fully closed that's why you're not able to apply again. If this is not the reason then ask them the reason

Tried calling them but they told me i cant apply bcoz i dont have any offer available

 

[Dr-green69]

3rd point could be there reason.. 3 personal loans. I referred to one of my friend a month back and his application was rejected because he has 1 active personal loan of 6 lacs.

My 1 person loan is of 120k 2nd is of 40k and 3rs is of 12k to total is 172k

 

[Chaitanya-a]

someone from idfc told me minimum age for IDFC credit card application is 25 for self employed and 23 for salaried. Is it true?

 

[boombaam]

someone from idfc told me minimum age for IDFC credit card application is 25 for self employed and 23 for salaried. Is it true?

21 is the minimum age

 

[phani11]

You could also open savings account with them (10k average balance classic account) to get offer asap.
Because when we open savings account with a bank, there are most chances of approval.
This way, you won't have to wait for another 6 months for sure.

 

[HVS]

I think IDFC credit card process is not working properly. Few days back I applied for credit card and it was only showing wow credit card despite having multiple credit cards. Alot of other users reported same issue. I even have an account with them.

 

[Bob78900]

I

Tried calling them but they told me i cant apply bcoz i dont have any offer available

Mail them. I also upgraded my offer from millennia to select over the email but they took almost 1 month. Customer care on phone was not helpful

 

[Dr-green69]

You could also open savings account with them (10k average balance classic account) to get offer asap.
Because when we open savings account with a bank, there are most chances of approval.
This way, you won't have to wait for another 6 months for sure.

I was thinking of it but i just opened hdfc savings max ACC 3 months ago and i dont want to park another 20 30k in new bank just for credit card as i haven't received any offer from hdfc yet

 

[phani11]

Not in case of idfc. They don't consider your savings account. I had to take secured card finally even after being their select account holder

Oh seriously...I never thought idfc could do that.

 

[pprakash11]

Mail them. I also upgraded my offer from millennia to select over the email but they took almost 1 month. Customer care on phone was not helpful

How you upgraded from Millenia to select ? Process plz

 

[Bob78900]

How you upgraded from Millenia to select ? Process plz

By sharing salary slips over the email

 

[Venky]

How does a personal loan or any other loan have an effect while applying for an IDFC card? When I applied I had a car loan and UNI card with 225k limit (which is shown as a personal loan in CIBIL) and still they approved my card w/o any prior relationship with IDFC.

 

[pprakash11]

By sharing salary slips over the email

Minimum limit in Millenia to get upgraded to select ?
Age of Millenia for upgrade to select ?

 

[blubber]

I had the same issue with them. They had my last application open. Wrote to them and got a call from their agent explaining that the last application was open, they'll close it and let me know. Was able to proceed shortly after that.

 

[Dr. Drake]

Have the same issue applied in May last year & till date whenever I try to apply it shows old application number. Wrote 3 emails to nodal officer no resolution has been provided. In the end decided to skip it!!