Clarity on refusing credit card

[aspirar]

I recently wanted to apply for Infinia but got an Indigo card instead. I refused delivery and did not generate pin or make any transaction. I thought the card would auto close without any charges to me.

Now, the agent who helped me apply for the card called me and asked me about it, saying I should do something about it because I could be charged and it could show up on my credit report.

What should I do?

 

[AritraSaha]

I recently wanted to apply for Infinia but got an Indigo card instead. I refused delivery and did not generate pin or make any transaction. I thought the card would auto close without any charges to me.

Now, the agent who helped me apply for the card called me and asked me about it, saying I should do something about it because I could be charged and it could show up on my credit report.

What should I do?

If you didn't activate it, it will be closed within 30days. Rbi guidelines.

Talk to the customer care, they might not give you infinia , negotiate for other cc

 

[Tejo]

I recently wanted to apply for Infinia but got an Indigo card instead. I refused delivery and did not generate pin or make any transaction. I thought the card would auto close without any charges to me.

Now, the agent who helped me apply for the card called me and asked me about it, saying I should do something about it because I could be charged and it could show up on my credit report.

What should I do?

If you don't activate, it won't be reported in cibil.

pin setup and card transaction ..... are meant for card activation in hdfc terms*

 

[Tejo]

I recently wanted to apply for Infinia but got an Indigo card instead. I refused delivery and did not generate pin or make any transaction. I thought the card would auto close without any charges to me.

Now, the agent who helped me apply for the card called me and asked me about it, saying I should do something about it because I could be charged and it could show up on my credit report.

What should I do?

Directly infinia, great.

What's your highest credit card limit?

 

[aspirar]

If you didn't activate it, it will be closed within 30days. Rbi guidelines.

Talk to the customer care, they might not give you infinia , negotiate for other cc

It's a paid card. If they decide to add the joining fee to the bill before it is closed, will I have to pay? Although I think the 30 days should be over before the statement cycle

 

[aspirar]

Directly infinia, great.

What's your highest credit card limit?

I got Infinia pre-approved. I have a salary account in hdfc. I recently got an ICICI card but that is very new. My wife got a pre approved offer because of a joint account even with nh cibil.

I started using payzapp for all my UPI spends, and my debit card wherever possible. I also started paying my ICICI credit card bill with the debit card. Got the Infinia offer I think in 3 months.

 

[aspirar]

If you didn't activate it, it will be closed within 30days. Rbi guidelines.

Talk to the customer care, they might not give you infinia , negotiate for other cc

I want to close it because I applied Infinia for my wife and got an add on for myself.

 

[Tejo]

It's a paid card. If they decide to add the joining fee to the bill before it is closed, will I have to pay? Although I think the 30 days should be over before the statement cycle

Dokhe bas Banks like axis will bill joining fee, before activation.

Hdfc bills only after activation.

Hdfc cards mostly are FYF nowadays.

 

[Tejo]

I got Infinia pre-approved. I have a salary account in hdfc. I recently got an ICICI card but that is very new. My wife got a pre approved offer because of a joint account even with nh cibil.

I started using payzapp for all my UPI spends, and my debit card wherever possible. I also started paying my ICICI credit card bill with the debit card. Got the Infinia offer I think in 3 months.

Dekho @VISHESH_BANSAL @4uziaul

Housewife's ko bhi direct infinia pre-approved offer dera.

 

[Tejo]

I want to close it because I applied Infinia for my wife and got an add on for myself.

What's the limit of that infinia card?

 

[aspirar]

Dokhe bas Banks like axis will bill joining fee, before activation.

Hdfc bills only after activation.

Hdfc cards mostly are FYF nowadays.

Thanks, looks like I just have to wait for automatic card closure then

 

[aspirar]

Dekho @VISHESH_BANSAL @4uziaul

Housewife's ko bhi direct infinia pre-approved offer dera.

She's also salaried, and has a joint account with my account as well.

 

[aspirar]

Dekho @VISHESH_BANSAL @4uziaul

Housewife's ko bhi direct infinia pre-approved offer dera.

She's also salaried, and has a joint account with my account as well

What's the limit of that infinia card?

8 lakhs

 

[Tejo]

She's also salaried, and has a joint account with my account as well

8 lakhs

Nowadays for womens, pre-approved offers without any income proofs.

 

[Cardmarvel]

Thanks, looks like I just have to wait for automatic card closure then

Recently, icici did not close my emerald card even though I did not activate it for more than 40 days. I wanted to let it auto close because they sent me FYF card even though promised LTF while applying.

 

[AritraSaha]

I recently wanted to apply for Infinia but got an Indigo card instead. I refused delivery and did not generate pin or make any transaction. I thought the card would auto close without any charges to me.

Now, the agent who helped me apply for the card called me and asked me about it, saying I should do something about it because I could be charged and it could show up on my credit report.

What should I do?

The agent made you 🐑.
Getting infinia as 1st card next to impossible.

 

[Card_Crafter]

The agent made you 🐑.
Getting infinia as 1st card next to impossible.

But his wife got it as first card with NH CIBIL and same joint account.

 

[Cardmarvel]

The agent made you 🐑.
Getting infinia as 1st card next to impossible.

That’s not true.

 

[AritraSaha]

But his wife got it as first card with NH CIBIL and same joint account.

 

[AritraSaha]

That’s not true.

What is not true?

Agent get a commission proportional to how bad the product is.

And if anyone got infinia card as their 1st cc without cibil score, plz let me know.