Credit Card Application Rejected? Know How to Get It Approved

[TechnoFinoTechnoFino is verified member.]

Hey TFCians,

Did you know that if a bank rejects your credit card application, you can still ask them to reconsider? For detailed information, watch this video on our TechnoFino YouTube Channel: Credit Card Application Rejected? How To Get It Approved | Application Reconsideration

In this post, I'll tell you how to request your bank for "Credit Card Application Reconsideration."
You need to send an email to your bank's grievance team (All Bank Credit Card Department Email ID & Phone No)
Request them to reconsider your card application and provide strong reasons for reconsideration.

Tips:

• Write a nice email. Don't use ChatGPT or any AI to write it; write your own.
• Mention why you need the card and what your profession is.
• Explain that you want to build a long-term relationship with the bank.
• State that you are looking to move your FDs or cash balance from your different account to the bank account you are emailing.
• Mention the premium credit cards you already hold with other banks.
• Attach your other bank account statement, credit card statement, ITR, and salary slip to strengthen your case.

My experiences:

1. BOB rejected my Eterna credit card application back in 2021. They approved it after I requested reconsideration.
2. Yes Bank rejected my Yes First Exclusive credit card application. They approved it after I requested reconsideration.
3. IndusInd Bank rejected my card application. They approved it after I requested reconsideration.

4. CitiBank rejected my application multiple times. Finally, they approved it in July 2021 after I requested reconsideration.
5. HSBC rejected my application multiple times and, unfortunately, they still do not accept my application even after multiple reconsideration requests.



So, it's important to remember that you can request your bank to reconsider, but the final decision will be made by the bank. You may still face rejection even after requesting reconsideration. I have personally followed this process many times and have benefited from it. If you are also facing rejection from a bank, you can try this method.
And remember one thing: "As a customer, you can ask for anything from your bank. If you don't ask for something, the bank isn't going to offer it to you on their own."

 

[shrirang]

@TechnoFino Since I don't have privileges to post a new thread, I am asking here.

For my DCP C2C card, home verification is done but the guy for office verification returned "no response" as I didn't receive his call and called back 15 minutes later.

Is there a possibility to get re-verification?
Can I raise my concern over such address verification people?

Thanks!

 

[TechnoFinoTechnoFino is verified member.]

@TechnoFino Since I don't have privileges to post a new thread, I am asking here.

For my DCP C2C card, home verification is done but the guy for office verification returned "no response" as I didn't receive his call and called back 15 minutes later.

Is there a possibility to get re-verification?
Can I raise my concern over such address verification people?

Thanks!

Email hdfc bank and ask them to reverify office address. They normally initiate re-verification.

 

[shrirang]

@TechnoFino Card got approved without re verification.

However, got Tata neu plus card with just 25k limit!

Applied for DCP with ICICI C2C of 5.2 lacs limit.

Raised a complaint today, will see the response.

Any suggestions on if I should not activate this card or how to get DCP or DCB next?

 

[Abhishek20]

Email hdfc bank and ask them to reverify office address. They normally initiate re-verification.

Is in-office verification required? What if you are WFH? I was told they stopped doing employment verification through sending email from office mail ID.

Is there any other way for someone who is WFH to get HDFC cc on basis of his employment?

 

[rockking1994]

Email id for indusand bank cc for reconsideration/ application issue i had applied for legend cc trough paisabazar on 13/08/23 it showed 110000 pre approved limit completed video kyc and after that there has been complete silence any faced this issue?

 

[gurubhai]

Is there any other way for someone who is WFH to get HDFC cc on basis of his employment?

my relative's application was rejected as well because he was WFH xD

 

[Abhishek20]

Why does someone needs to be physically present there at office location to prove that he works there? There are multiple ways to verify it - employment letter, salary slips, id card, etc.

But then again, HDFC is known for its legendary chennai dept. which needs documents to be sent through post for verification

 

[Tejo]

Is in-office verification required? What if you are WFH? I was told they stopped doing employment verification through sending email from office mail ID.

Is there any other way for someone who is WFH to get HDFC cc on basis of his employment?

Send salary slip and bank statement, application form, kyc docs ..... to their legendary cc branch.

There won't be office verification.

 

[Tejo]

@TechnoFino Card got approved without re verification.

However, got Tata neu plus card with just 25k limit!

Applied for DCP with ICICI C2C of 5.2 lacs limit.

Raised a complaint today, will see the response.

Any suggestions on if I should not activate this card or how to get DCP or DCB next?

Dont use icici card for hdfc c2c.

Only Axis, StanC, Amex, Kotak are recommended.

 

[Tejo]

Email id for indusand bank cc for reconsideration/ application issue i had applied for legend cc trough paisabazar on 13/08/23 it showed 110000 pre approved limit completed video kyc and after that there has been complete silence any faced this issue?

Indusind is most laziest bank.

12 ... 2nd Saturday
13 .. Sunday
14 .. Monday.. holiday
15 .. independence
16 ... rest for doing much great things on above days

Forgot about your application, i mailed on 19th to nodal officer till now didn't got any response.

 

[shrirang]

Used not use icici card for hdfc c2c.

Only Axis, StanC, Amex, Kotak are recommended.

Got the DCP after raising complaint

 

[rockking1994]

Indusind is most laziest bank.

12 ... 2nd Saturday
13 .. Sunday
14 .. Monday.. holiday
15 .. independence
16 ... rest for doing much great things on above days

Forgot about your application, i mailed on 19th to nodal officer till now didn't got any response.

I there anyway to track it?

 

[Juganta]

Today i have applied for Indusind Legend card via agent , got this message that i don't meet banks eligibility criteria and is rejected for pricessing. can anyone help me please?

 

[asahi]

My Axis Neo Card was rejected as I recently got another card from them(which is not very recent), so believing you, I sent mail to reconsider lets see what they’ll do

 

[siddhi]

If this was rejected due to CIBIL issue caused by an incorrect reporting by some other banks, can I share the email I'm exchanging with the bank (who made incorrect reporting) with the credit card lender for them to reconsider @TechnoFino?

I currently have HDFC Regalia and asked bank to give upgrade multiple times but they’ve rejected. My card is due for renewal in 2 months. Are they still issuing regalia card as it doesn’t appear on the website, only gold is listed. Should I re apply for will I get Regalia Gold when current card’s validity gets over?

 

[NT05]

Do not re-apply, bank will issue regalia again mostly, re-applying would again be a new CIBIL hit.

You can ask for upgrade once you receive new card

 

[praveenkumar8]

Hello everyone,
Do you know that if a bank rejects your credit card application, you can still ask that bank to reconsider your credit card application?
For detail information, watch this video on our TechnoFino YouTube Channel - Credit Card Application Rejected? How To Get It Approved | Application Reconsideration
In this post, I'll tell you how to request your bank for "Credit Card Application Reconsideration"

You have to send an email to your bank's grievance team (All Bank Credit Card Department Email ID & Phone No)
Request them to reconsider your card application. Provide some strong reasons for them to reconsider (maybe your ITR, other bank card statement, etc).

My experiences-
1. BOB rejected my Eterna credit card application back in 2021. They approved my application after I requested them to reconsider my card application.
2. Yes Bank rejected my YFE application. They approved my application after I requested them to reconsider my card application.
3. Indusind Bank rejected my card application. Approved after I requested them to reconsider my card application.

View attachment 1605

4. Citi Bank rejected my application multiple times, finally they approved my application in July 2021 after requesting them for reconsideration.
5. HSBC rejected my application multiple times, unfortunately they are not accepting my application even after requesting them for reconsideration multiple times.

View attachment 1606

I hope this post will help you to learn something new. Please share this post & the video with your friends
Thanks

Observed same issue with HDFC and i requested for reconsideration they have approved my card, Thanks a lot for your help

 

[COmM4nDer]

SBI CC agent made two enquiries yesterday both hit CIBIL with Rs 10000 showing in my enquiries. He later added SBI system has glitch hence application cannot be generated, he will try next week. What to do to revoke the enquiries since its of no use as no application was generated?

 

[fintech_maniac]

I paid sbi due on 3rd day of grace period and it's been marked late please assist me what to do?

 

[TechnoFinoTechnoFino is verified member.]

I paid sbi due on 3rd day of grace period and it's been marked late please assist me what to do?

make a detailed post on SBI card or Complaint section of TF Community, post everything with screenshots (if possible)... we'll amplify your issue. and email SBI card regarding the issue and ask them to rectify.