Federal Bank CC Declined, reconsideration? next application?

[pradeepG]

Federal Bank Credit Card application was Declined (does not meet eligibility criteria as per bank policy for Credit Cards),
shall i mail for reconsideration?
when can i apply again?
can i try new application with other number than previous number?
does it needs only aadhaar number to apply?

 

[EternallyHopeful]

I applied online on federal bank's website and celesta card was approved within the next 6 hours. I was not asked to upload salary details or ITR. Just vkyc was done.

Experian score was checked by Federal Bank during application process.

Same here. Applied, Experian was fetched, was shown Celesta with a good limit, went ahead, did VKYC, and... The virtual card was showing in 3-4 hours, and the physical card arrived in 4 days. But let me make it clear, Federal didn't approve my card in my earlier attempts. I tried for Federal CC three times earlier, but during all those attempts, they rejected saying "Bank's internal policy" etc..this time I was like "Whats the harm in trying. Only one CIBIL hit, no big deal", and... It actually happened. I guess they've probably loosened the criteria. People should keep trying every 2-3 months. And try not to have too many CC inquiries in CIBIL/Experian.

 

[newIntern]

I applied online on federal bank's website and celesta card was approved within the next 6 hours. I was not asked to upload salary details or ITR. Just vkyc was done.

Experian score was checked by Federal Bank during application process.

how many credit inquiries did you had before this?

 

[Himanshuch]

Same here. Applied, Experian was fetched, was shown Celesta with a good limit, went ahead, did VKYC, and... The virtual card was showing in 3-4 hours, and the physical card arrived in 4 days. But let me make it clear, Federal didn't approve my card in my earlier attempts. I tried for Federal CC three times earlier, but during all those attempts, they rejected saying "Bank's internal policy" etc..this time I was like "Whats the harm in trying. Only one CIBIL hit, no big deal", and... It actually happened. I guess they've probably loosened the criteria. People should keep trying every 2-3 months. And try not to have too many CC inquiries in CIBIL/Experian.

Ok. In my case, I got celesta in one go. I never applied for it before. Maybe as you said they have relaxed their internal criteria to issue credit cards.

 

[Himanshuch]

how many credit inquiries did you had before this?

In Experian, I guess none. Most of the cards I applied before fetched cibil score from other database.

 

[Desu Sarath]

My Experian score is 821, No enquiries in last 14 months. Still they rejected saying bureau checks.

Such a weird bank

 

[Card_Crafter]

In my case they mentioned pincode unservisable. But I never entered my current (bangalore) / permanent (jaipur) address while applying. Just after providing the salary bank statement getting rejected.

Same here. Just entered Mobile number and PAN and rejected stating PINCode is not serviceable. Weird bank.

Guess what, there is a branch nearby. Also I don't remember sharing my address with them.

Mailed them and got a reply stating internal criteria and blah blah.

 

[itzmycard]

@Card_Crafter do you have a jupiter/fi account ? their stupid system is unable to fetch the pincode from the address in jupiter/fi account. I also get same reply from them stating internal criteria whereas it is clearly an issue in their system

 

[MR_RDX]

any previous relationship? any loan enquiree in last 6 months?

Mera Jan 2025 ko approved hua without pincode serviceable area or mere pass account 2-3saal se toh fir Maine account ka communication address change karaye relatives ke yaha ka voter I'd dekar or ushi din address change ho gya or agle din raat ko apply kiya or itr or 6mnth bank statement upload karke submit kr diya or agle din sham ke 3-4 baje approved ho gya or jo bank ka statement diye the 6mnth ka usme transactions 23-24lakh ka hua tha

 

[MR_RDX]

Same here. Just entered Mobile number and PAN and rejected stating PINCode is not serviceable. Weird bank.

Guess what, there is a branch nearby. Also I don't remember sharing my address with them.

Mailed them and got a reply stating internal criteria and blah blah.

Mera v hua tha reject pincode ki wajah se toh pehle fir Maine account mein address change karaya relatives ke yaha ka or agle din apply kiya or itr or statement upload kr diya or next day approved ho gya...signet visa card