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.

 

[ray8285]

I started with a common Standard variant with MAB of 25K. I have completed a little more than a year now with IDFC. My account was upgraded to Wealth five months back.

Did you maintain a big balance or just the 25K ?

I’m planning to close my IDFC a/c as I did not offer me anything !

 

[Chaitanya-a]

Did you maintain a big balance or just the 25K ?

I’m planning to close my IDFC a/c as I did not offer me anything !

Have to maintain 10L to get Wealth account upgrade. Otherwise 5L for Select account.

 

[ray8285]

Have to maintain 10L to get Wealth account upgrade. Otherwise 5L for Select account.

Thanks for the info 🙂

 

[Salvo08]

Did you maintain a big balance or just the 25K ?

I’m planning to close my IDFC a/c as I did not offer me anything !

You need to park 10L (check from your RM) for at least 3 months and once the account is upgraded to wealth you will have to maintain 25K only.

 

[ray8285]

You need to park 10L (check from your RM) for at least 3 months and once the account is upgraded to wealth you will have to maintain 25K only.

Thanks for the info. Will speak with him when I visit the branch ! Had opened the a/c to get the pre-approved CC offer ! Been their easy buy card customer for ages with a good limit.

Got all kind of non sense pre approved offers like Pre Approved PL of 5L, TWO WHEELER loan of 4.5L, used card loan of up 10.25L but NOT for CC !

I will only give him a cheque for that big a amount from my indusind SBA if he agrees to issue me a CC offline route ! If he does not promise CC approval offline route then NO CHEQUE & will close account with IDFC for good !

 

[Salvo08]

Thanks for the info. Will speak with him when I visit the branch ! Had opened the a/c to get the pre-approved CC offer ! Been their easy buy card customer for ages with a good limit.

Got all kind of non sense pre approved offers like Pre Approved PL of 5L, TWO WHEELER loan of 4.5L, used card loan of up 10.25L but NOT for CC !

I will only give him a cheque for that big a amount from my indusind SBA if he agrees to issue me a CC offline route ! If he does not promise CC approval offline route then NO CHEQUE & will close account with IDFC for good !

Oh sorry, You were referring to wealth CC and I thought you are asking for upgradation of your existing SBA to Wealth Account. Your RM will not be able to assist you for Wealth CC as their CC department works totally independent from the bank. Credit Cards are upgraded based on the credit limit of your existing CC. If the limit is >3L then they'll upgrade the card to Select and for Wealth CC they need credit limit of >5L

 

[ray8285]

Oh sorry, You were referring to wealth CC and I thought you are asking for upgradation of your existing SBA to Wealth Account. Your RM will not be able to assist you for Wealth CC as their CC department works totally independent from the bank. Credit Cards are upgraded based on the credit limit of your existing CC. If the limit is >3L then they'll upgrade the card to Select and for Wealth CC they need credit limit of >5L

No bro you got it right. I was referring to wealth account upgrade only but only if they issue me a CC !

Forget upgrading, I currently do not even have a CC with IDFC ! Had applied a year back & was declined with a TRANSUNION score of 787 ! Since then their “awesome” online application system won’t allow me to apply again, so I thought if I upgrade / open a wealth account perhaps they will issue a CC like some of the banks.

However, thanks for letting me know that their CC dept is independent from their banking dept ! Had opened the account only to get a CC but was never able to get one. Also, their online application system sucks! As of now if declined once, IDFC system does not drop that application. So in essence can’t apply again !

So, I guess it’s time to say bye to IDFC then !

 

[Salvo08]

No bro you got it right. I was referring to wealth account upgrade only but only if they issue me a CC !

Forget upgrading, I currently do not even have a CC with IDFC ! Had applied a year back & was declined with a TRANSUNION score of 787 ! Since then their “awesome” online application system won’t allow me to apply again, so I thought if I upgrade / open a wealth account perhaps they will issue a CC like some of the banks.

However, thanks for letting me know that their CC dept is independent from their banking dept ! Had opened the account only to get a CC but was never able to get one. Also, their online application system sucks! As of now if declined once, IDFC system does not drop that application. So in essence can’t apply again !

So, I guess it’s time to say bye to IDFC then !

When did you open an account with IDFC?

 

[ray8285]

When did you open an account with IDFC?

2021 February. Big mistake. Was their Easy buy card customer for 4-5 years prior to that with 0 Bounces / late payments for some big ticket CD loans.

 

[Salvo08]

2021 February. Big mistake. Was their Easy buy card customer for 4-5 years prior to that with 0 Bounces / late payments for some big ticket CD loans.

That's surprising. Infact with IDFC while opeing the account, the offers you the basic credit card i.e. First Classic and if you refuse to take it then they keep pestering you with calls and emails for the First Classic. Think you should speak to your RM and ask him if you close the account and re-open after three months they'll offer you the card during the application procedure itself.

 

[ray8285]

That's surprising. Infact with IDFC while opeing the account, the offers you the basic credit card i.e. First Classic and if you refuse to take it then they keep pestering you with calls and emails for the First Classic. Think you should speak to your RM and ask him if you close the account and re-open after three months they'll offer you the card during the application procedure itself.

I opened the account online. That could be the reason that I never got any offer for the credit card. Do they actually offer CC during account opening ? Will try that route then !

 

[tanujsheoran]

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

Just write a mail to IDFC to delete old application and after that you can apply