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No , there might be office or home verification
I have business. Today a guy came for business verification. After that Bank sent me a message to re enter business adress as there was some problem on verification.No , there might be office or home verification
My current CIBIL Score is 774 . But my credit age is very low . Only 1 year 6 months . My First CC was issued on 5th June 2023. That was a pre approved Flipkart Axis . Nothing prior to that .Depends.. If credit score is in excellent category it will get approved without verification or income docs.
It means nothing
They may do physical verification. If you have lesser no. of enquiries n credit utilisation within limit then 90% chances of approval is there.My current CIBIL Score is 774 . But my credit age is very low . Only 1 year 6 months . My First CC was issued on 5th June 2023. That was a pre approved Flipkart Axis . Nothing prior to that .
Experienced IDFC First prior to this . Sometimes I confuse with the algo banks use to approve CC's . No CIBIL getting card but I am not getting with minimum limit.It means nothing
Don't high hopes
They jiggle back and forth
Even 10th deadline is just a date not Lakshman rekha.
Chill
Are your talking about last month enquiries or Total enquiries. My Net Credit Utilisation Ratio is 9%. Never goes above 10%. I have total limit of 2.05lakh . I have very limited spends . Needed IDFC First CC for strengthening inventory .They may do physical verification. If you have lesser no. of enquiries n credit utilisation within limit then 90% chances of approval is there.
Experienced IDFC First prior to this . Sometimes I confuse with the algo banks use to approve CC's . No CIBIL getting card but I am not getting with minimum limit.
I applied 3 times all timeExperienced IDFC First prior to this . Sometimes I confuse with the algo banks use to approve CC's . No CIBIL getting card but I am not getting with minimum limit.
I got Wow for 1 lakh FD . I was newbie then . I didn't know that FD backed cards blocks the FD from redemption . I thought I can break it anytime I want . As the money I used is for savings. But after knowing the whole story I closed the card the same day it is delivered . Because in the time of emergency it will take minimum 15 days for them to credit my FD . And I was right . It took them 20 days to refund my FD amount .I applied 3 times all time
Home verification fail as I didn't entertained them
I got pre approved on address I took 2k idfc wow 3 years ago
Their algorithm is css * 1st year writing html project for hello world 😂
I mean recent enquiries within 2-3 months.Are your talking about last month enquiries or Total enquiries. My Net Credit Utilisation Ratio is 9%. Never goes above 10%. I have total limit of 2.05lakh . I have very limited spends . Needed IDFC First CC for strengthening inventory .
One ICICI ( not approved ) , One RBL ( approved) , and one from IDFC .I mean recent enquiries within 2-3 months.
As I have business salary is not a question anymore. And if they ask ITR , my business belongs from Suburb started by my family. So ITR is a foreign concept.recent enquiries are mostly irrelevant for IDFC if you meet their salary and cibil criteria only Home verification is the caveat .
They don't ask the proofs they only ask you to fill only verification - verification they do is communication address physical verification via third party agentAs I have business salary is not a question anymore. And if they ask ITR , my business belongs from Suburb started by my family. So ITR is a foreign concept.
That was done today. He filled a long form in his mobile. After 1 hour I recieved a message that they can't verify my business adress . So I clicked on the link and re entered adress.They don't ask the proofs they only ask you to fill only verification - verification they do is communication address physical verification via third party agent