CIBIL Enquiry if I stop application after seeing card variant ??

[Vinay Kumar Manchiganti]

I want to know whether there'll be any CIBIL Enquiry if I stop application after seeing card variants offered ?

Example: Assume if one tries to apply for AU Bank Credit Card. After filling out the initial form system will show the card Variant they can offer. If the card Variant is other than expected one so if we stop applying. Will there any CIBIL Enquiry?

 

[dav33]

Till the time u verify with otp or enter pan no and go next, cibil will not be enquired. there may be also a t&c mentioned in some step after which cibil will get enquired

 

[V360V360 is verified member.]

There will be an enquiry on CIBIL

 

[Vinay Kumar Manchiganti]

Till the time u verify with otp or enter pan no and go next, cibil will not be enquired. there may be also a t&c mentioned in some step after which cibil will get enquired

For showing card variant they want OTP and PAN details

 

[dav33]

For showing card variant they want OTP and PAN details

yes then u will get enquiry

 

[prc1990]

Till the time u verify with otp or enter pan no and go next, cibil will not be enquired. there may be also a t&c mentioned in some step after which cibil will get enquired

Right! Basically it depends on how their system is designed and at what stage of the application flow it invokes/triggers the enquiry. Your anticipation point may not necessarily get matched with their workflow.

 

[cherryj1988]

Depends on the bank. For example with Axis u need to go to last screen with card choices and then hit apply before the enquiry is put in. Which is the right way to go about (shocking considering it's axis).

The stupider banks like AU do it before even showing u what CCs u are eligible to apply for. Know from experience :')

 

[ashwinkashwink is verified member.]

Yeah after giving your concent there will be a Cibil enquiry

 

[Talk2Mr.Manish]

I want to know whether there'll be any CIBIL Enquiry if I stop application after seeing card variants offered ?

Example: Assume if one tries to apply for AU Bank Credit Card. After filling out the initial form system will show the card Variant they can offer. If the card Variant is other than expected one so if we stop applying. Will there any CIBIL Enquiry?

Yes

 

[ashwinkashwink is verified member.]

Yes for AU it's enquiry first

Yes even in IDFC is also fast.

 

[cherryj1988]

IDFC is best lol. It just saw my pin code and told me that ppl in my pin code are too poor to get a CC from them

 

[ashwinkashwink is verified member.]

IDFC is best lol. It just saw my pin code and told me that ppl in my pin code are too poor to get a CC from them

It's due to security reasons.

 

[Akash Topder]

I want to know whether there'll be any CIBIL Enquiry if I stop application after seeing card variants offered ?

Example: Assume if one tries to apply for AU Bank Credit Card. After filling out the initial form system will show the card Variant they can offer. If the card Variant is other than expected one so if we stop applying. Will there any CIBIL Enquiry?

You will have a CIBIL inquiry. In my case I was outside of their service area so they showed me this reason and didn't offer me a card but because I had to give my PAN before I had a inquiry.