CIBIL enquiry for Axis Pre-approved credit card

[NCC]

Recently I got pre-approved credit card offers from Axis. Some days back, I applied from their app and everything went well and reference number was generated. However, today they called me saying the previous application details had been lost and they would apply for me. After some confirmations, the credit card application was successfully done. And it was approved quickly. However, after sometime I got an sms from CIBIL saying that Axis Bank had done enquiry. I thought cibil enquiry was not usually done for pre-approved cards. Is it a normal practice to do the enquiry even for pre-approved offers?

Update:

26 February 2025: Applied for a pre-approved credit card through Axis Mobile app.

27 February 2025: Got a call from virtual RM telling me about pre-approved credit card offers. I told them that I applied already. Told me they could not see any application in the system and asked me to wait for a few days.

3 March 2025: Missed a call from virtual RM.

4 March 2025: Virtual RM called me again and told me previous application lost/some data missing, applied a new application with application number starting with MLP. Application was approved quickly. CIBIL enquiry was done. Card was shown in Axis app. I could link the card to UPI apps like GPay and transaction could be done.

5 March 2025: In the morning, I got some sms for the same card with a new application no. starting with C1. Also received the approved message. CIBIL enquiry was done again.

Two CIBIL enquiries are done for one credit card.

 

[DarthBrooks]

I can speak for myself that it didn't happen in my case. Although this lost application thing didn't happen to me.

 

[hitirfan]

I think it happened to you as they applied from their end.

 

[Ayushsingh_2001]

Same thing happened for me for my first axis card applied via credit card guy from branch and there was cibil hit and last month got pre approved offer applied axis Airtel by myself no cibil hit

 

[sidpsidp is verified member.]

Recently I got pre-approved credit card offers from Axis. Some days back, I applied from their app and everything went well and reference number was generated. However, today they called me saying the previous application details had been lost and they would apply for me. After some confirmations, the credit card application was successfully done. And it was approved quickly. However, after sometime I got an sms from CIBIL saying that Axis Bank had done enquiry. I thought cibil enquiry was not usually done for pre-approved cards. Is it a normal practice to do the enquiry even for pre-approved offers?

Generally banks do only soft enquiry for preapproved offer. But they can do hard enquiry. if you dont have any axis cc earlier or have only a short credit history they will do hard enquiry. They did hard enquiry for my preapproved offer as well .

But I think this is a different case. When it has been more than 6m since customer last did kyc, they might direct local branch to do rekyc. Here mostlikely the branch intentionally closed old application and apply from there side to reach their target. You can complain against the branch for this. Does it have same cl shown at the time of application?

 

[NCC]

Generally banks do only soft enquiry for preapproved offer. But they can do hard enquiry. if you dont have any axis cc earlier or have only a short credit history they will do hard enquiry. They did hard enquiry for my preapproved offer as well .

But I think this is a different case. When it has been more than 6m since customer last did kyc, they might direct local branch to do rekyc. Here mostlikely the branch intentionally closed old application and apply from there side to reach their target. You can complain against the branch for this. Does it have same cl shown at the time of application?

Yes, credit limit was shown. The call came from virtual RM. Like you said it is likely that they might have intentionally closed the previous application.

 

[sidpsidp is verified member.]

How can they lose the digital application? It's not some misfired neurons in the brains of these idiots.

If they lost it how did they know you applied.

 

[Riya]

Recently I got pre-approved credit card offers from Axis. Some days back, I applied from their app and everything went well and reference number was generated. However, today they called me saying the previous application details had been lost and they would apply for me. After some confirmations, the credit card application was successfully done. And it was approved quickly. However, after sometime I got an sms from CIBIL saying that Axis Bank had done enquiry. I thought cibil enquiry was not usually done for pre-approved cards. Is it a normal practice to do the enquiry even for pre-approved offers?

why a reference number is generated if it's pre-approved.... it should be generated instantly

 

[DarthBrooks]

why a reference number is generated if it's pre-approved.... it should be generated instantly

Yeah, in my case he approved the card after verbal agreement and while he was reading TnC, I was able to view my card in Axis App, roughly within 10 seconds.

 

[Riya]

Yeah, in my case he approved the card after verbal agreement and while he was reading TnC, I was able to view my card in Axis App, roughly within 10 seconds.

classic case of "Laato ke bhoot baato se nahi maante" 😀

 

[Riya]

How can they lose the digital application? It's not some misfired neurons in the brains of these idiots.

If they lost it how did they know you applied.

exactly....
acting like Sarkari office.... sir aapki application to chuhe kha gye... dusri jama kar dijiye🤣🤣

 

[Bionick]

Yes, credit limit was shown. The call came from virtual RM. Like you said it is likely that they might have intentionally closed the previous application.

The RM trying to achieve financial year targets 🤣

 

[NCC]

why a reference number is generated if it's pre-approved.... it should be generated instantly

This is my first card from Axis. Probably they want to check before approving? But the new application was approved quickly.

 

[DarthBrooks]

This is my first card from Axis. Probably they want to check before approving? But the new application was approved quickly.

If it's your first, then it makes sense.

 

[NCC]

Axis had done another CIBIL enquiry today.

 

[NCC]

If it's your first, then it makes sense.

I don't mind credit enquiries. But AXIS has done two CIBIL enquiries so far. I don't think this is appropriate for one application.

 

[Boy 07]

anyone will help me to find out what happened ? My brother has applied Axis bank credit card it was rejected at the same time due to low cibil but i cahcked his cibil report today and found axis bank enquiry of amount 30L what is this and what should i do ?or is not a cause for concern ?
attaching the screen short

 

[DarthBrooks]

I don't mind credit enquiries. But AXIS has done two CIBIL enquiries so far. I don't think this is appropriate for one application.

If they have done 2, you have a case against them.