IDFC First Bank Credit Card Application issue

[itzAlterego]

Hello !

I recently applied for IDFC First HPCL Power Plus Credit Card (499+GST). After the agent came for physical verification of my residential address, I obtained an SMS stating that my application could not be verified; despite my family member being physically present and stating them that I live there (I also answered the agent's call). I am a Maharatna PSU officer and currently hold quite a good number of credit cards according to my needs. I really don't know why IDFC is being no much "nagging" about issuing a paid credit card. Can anyone help me out here? 🙂

My current Credit Card portfolio:
------------------------------------
HDFC Millenia VISA (LTF)
PNB Platinum Rupay
Standard Chartered Smart
Axis ACE
Bob Premier (LTF)
OneCard BOB (LTF)

 

[Anindya98]

IDFC uses 3rd Party agent for home/office verification.
Sometimes they don't visit and report that unable to find the address or location.
I also faced this issue last time in my dad's case send the full address via email. Nothing happened, also my BM tried to reach out to the cc team no response.
The application will be rejected automatically after few days.

 

[agrprashantagrprashant is verified member.]

Seems like an agent level issue. You can give the address again in the link provided on SMS and they will (might?) send agent again to verify the address.

IDFC is still a new bank and has lots of gaps. I would try another bank if getting a similar offering.

 

[itzAlterego]

Hello! (again)

My application has been registered with the bank, but the status was not updating since 18th June 2024. After nearly a week of wait, I decided to call their customer care to find out what's going on. They replied that my current address is not verified according to them and said that they have raised a complaint. 😅

I have never seen any bank behave this weirdly, I mean why would a bank say that a persons address could not be verified when he lives in metro area, has a govt job (my address was verified by police lol!) and has 6 more cards? My current status is attached herewith. I would really appreciate if anyone with a connection to IDFC Bank would like to help 🙂. I have quite a good fuel usage and that card would really help me out.

 

[Anindya98]

I have never seen any bank behave this weirdly, I mean why would a bank say that a persons address could not be verified when he lives in metro area, has a govt job (my address was verified by police lol!) and has 6 more cards? My current status is attached herewith. I would really appreciate if anyone with a connection to IDFC Bank would like to help 🙂. I have quite a good fuel usage and that card would really help me out.

The same thing happened to my dad twice by IDFC said they couldn't find the office building (Govt Office in Worli Mumbai), the address is also registered in Cibil. Both times they claim the same reason unable to locate the office. How come they do not find a Govt. Building in Mumbai(Tier 1 Metro City) god knows. Both times application was rejected submitted all the documents also the Geo Location Via Email. No Solution.

 

[agrprashantagrprashant is verified member.]

Hello! (again)

My application has been registered with the bank, but the status was not updating since 18th June 2024. After nearly a week of wait, I decided to call their customer care to find out what's going on. They replied that my current address is not verified according to them and said that they have raised a complaint. 😅

I have never seen any bank behave this weirdly, I mean why would a bank say that a persons address could not be verified when he lives in metro area, has a govt job (my address was verified by police lol!) and has 6 more cards? My current status is attached herewith. I would really appreciate if anyone with a connection to IDFC Bank would like to help 🙂. I have quite a good fuel usage and that card would really help me out.

The verification is usually outsourced to a third party and the agents are incentivised on the number of verifications done (and not whether the outcome was positive or negative), so they don't care.

Write a complaint to IDFC and escalate as per their complaint resolution matrix.

 

[Anindya98]

The verification is usually outsourced to a third party and the agents are incentivised on the number of verifications done (and not whether the outcome was positive or negative), so they don't care.

I totally understand this, but when he already has a SB account with them also provided the Office ID card as proof. Also, I shared the address again then the same result. IDFC's Head Branch is just a few buildings from the address provided.

Write a complaint to IDFC and escalate as per their complaint resolution matrix.

Tried via my BM no resolution. After that never applied IDFC.

 

[Card Guy]

Hello !

I recently applied for IDFC First HPCL Power Plus Credit Card (499+GST). After the agent came for physical verification of my residential address, I obtained an SMS stating that my application could not be verified; despite my family member being physically present and stating them that I live there (I also answered the agent's call). I am a Maharatna PSU officer and currently hold quite a good number of credit cards according to my needs. I really don't know why IDFC is being no much "nagging" about issuing a paid credit card. Can anyone help me out here? 🙂

My current Credit Card portfolio:
------------------------------------
HDFC Millenia VISA (LTF)
PNB Platinum Rupay
Standard Chartered Smart
Axis ACE
Bob Premier (LTF)
OneCard BOB (LTF)

Exactly the same the agent called me but i said that I'm at my job location so can you please send an agent to my office he said yeah it'll be done. So now will he reject the card or someone will visit my office for verification? What will happen cause i just don't want the cibil inquiry to go in vain

 

[Boy 07]

The verification is usually outsourced to a third party and the agents are incentivised on the number of verifications done (and not whether the outcome was positive or negative), so they don't care.

Write a complaint to IDFC and escalate as per their complaint resolution matrix.

Any body help
Mene 2022 me Flipkart pay letter band kardiya tha jab se me idfc first bank credit card apply karta hu to bank declined kardeta he reason puchta hu to kehte hain apne 2020 me late payment Kiya tha iske upar kayi din tak baat chalti he jab me proved kardeta hu ki koi late payment nahi he to wo mafi mangte hain or kehte hain ki ham apne system me update karrahe hain dobara aisa nahi hoga Mamla ek baar 2020 me hua phir mene 2023 me apply Kiya phir Aisa hua or ab 2024 me 2 baar aisa hua me kay karu Inka RBI me complaint karni chahiye kya mujhe

 

[Deleted member 35969]

Hello !

I recently applied for IDFC First HPCL Power Plus Credit Card (499+GST). After the agent came for physical verification of my residential address, I obtained an SMS stating that my application could not be verified; despite my family member being physically present and stating them that I live there (I also answered the agent's call). I am a Maharatna PSU officer and currently hold quite a good number of credit cards according to my needs. I really don't know why IDFC is being no much "nagging" about issuing a paid credit card. Can anyone help me out here? 🙂

My current Credit Card portfolio:
------------------------------------
HDFC Millenia VISA (LTF)
PNB Platinum Rupay
Standard Chartered Smart
Axis ACE
Bob Premier (LTF)
OneCard BOB (LTF)

They are upgrading me to this cc by calling daily...but I didn't find worth paying 499 + gst