Closed IDFC Classic CC - reapplied - successfully obtained Wealth CC

[MS R]

Weatlh credit card.

 

[MS R]

They won't remove hits too . Be aware

will there be CIBIL enquiry?? for limit enhancement?

 

[VasukiVasuki is verified member.]

will there be CIBIL enquiry?? for limit enhancement?

Yes if u provide salary slip or itr for mannual l.e

 

[Yugi]

In my case IDFC didn't do any CIBIL enquiry for Manual LE using salary slips.

 

[MS R]

In my case IDFC didn't do any CIBIL enquiry for Manual LE using salary slips.

did LE happen / if so share from - to limit / sal approx

 

[im_mumbaiker]

update: got call from customer care

was told to send 3 months payslips / salary credit bank statement / along with current max credit card limit... for reference to banker@idfcfirstbank.com.
then they will respond within 48 hours. If I am not satisfied with resolution then I can take my own decision

My scenario
classic limit - 1 Lakh , issued in Feb 2023 (spent more than 7 lakhs till date)
current salary - 1.6 Lakh
Magnus cc Limit - 15 Lakh

will it be realistic to except credit limit increase and upgraded to wealth???

Tried a similar way, they only provided a Credit line increase and did not upgrade the card. I finally closed the card and reapplied using C2C, it was approved without income documents and sent to me within two days.

 

[Yugi]

did LE happen / if so share from - to limit / sal approx

Yes, got LE from 3.5L to 3.95L, salary is 1.5L+

 

[MS R]

Tried a similar way, they only provided a Credit line increase and did not upgrade the card. I finally closed the card and reapplied using C2C, it was approved without income documents and sent to me within two days.

can u please share bit more to your story?? will be glad if u can share following details?
card variant - limit from -- to / approx sal for LE?
CIBIL enquiry for limit increase??

new application
c2c card variant limit , input salary , Cibil score / card variant approved - along with limit @im_mumbaiker

 

[MS R]

Yes, got LE from 3.5L to 3.95L, salary is 1.5L+

did card upgrade happen?? @Yugi

 

[MS R]

update: LE didnt happen... placed closure request

 

[Yugi]

did card upgrade happen?? @Yugi

Yes, they upgraded my card as exception

 

[MS R]

update: received confirmation message "card has been closed 29-02-2024"

guys plz suggest when to apply again????

 

[varun__goel_]

update: received confirmation message "card has been closed 29-02-2024"

guys plz suggest when to apply again????

Can be applied RN. First try with existing no, if gives error then try another no. Most probably they will automatically pick up your existing no post application

 

[MS R]

Can be applied RN. First try with existing no, if gives error then try another no. Most probably they will automatically pick up your existing no post application

u mean to say if i get error on my current number... use second number to apply / so if card gets approved on my second number the new card application will automatically pick my main (first number)??

if i first use my main number and get error - will there br CIBIL hit ?
then use my second number will there be second cibil hit??

PS: I currently have IDFC saving account active?

 

[varun__goel_]

u mean to say if i get error on my current number... use second number to apply / so if card gets approved on my second number the new card application will automatically pick my main (first number)??

90% yes. As a lot of users have reported this

if i first use my main number and get error - will there br CIBIL hit ?

No hit, as it will give error just after first page. Only 1 cibil hit

 

[MS R]

90% yes. As a lot of users have reported this

No hit, as it will give error just after first page. Only 1 cibil hit

used my own number... no error shall i go ahead and apply??

 

[varun__goel_]

used my own number... no error shall i go ahead and apply??

Yes go ahead

 

[MS R]

update: applied using second number

used 15L - axis , input sal 3.1L got approved without income proof

 

[varun__goel_]

update: applied using second number

used 15L - axis , sal 3.1L got approved with ,,,View attachment 44504

unfortunately to my bad luck aadhaar OTP took long time to generate.. and hor resend ....looks i hit resend OTP more than thrice... I received SMS after long ... after entering otp receives more try

application closed. receives CIBIL Hot as well

guys plz suhhest what should i do now??

Try again tomorrow
Application will continue from the stage where you left

 

[MS R]

r u sure??

will continue with existing application // i don't need to from start?

 

[varun__goel_]

r u sure??

will continue with existing application // i don't need to from start?

Your aadhar otp verification failed, right? They might call you for application, and further process

Check what's the status of application.

And try to resume application