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Idfc & it’s ridiculous ways

  • Thread starter Thread starter Saiv
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    idfc

Saiv

TF Premier
1.5 Years back when i applied for a CC, after completion of Vkyc i got card approval under 2 mins. Then they offered Power Plus card & so i got that also. Then after few months of usage i closed them coz of no value. They Failed to Mark it as closed in Credit bureaus till few months back. That’s separate issue & case is at Rbi Ombudsman.

Few days back out of whim i applied for idfc card again, this time they even offered those metal peacock & horse Paid Cards. Obviously i chose select & rupay virtual CC, expecting instant approval, but it ain’t happened like that, so i was like, will wait for the office & home visits. 1st office visit, for some reason no matter how clear was the Address the person failed to reach the place, my office is at heart of the city with highest possibility of visibility, he failed to reach even with constant instruction of directions over call, So i got irritated & said please cancel verification, i applied whimsically. Then Next Day Out of nowhere Home visit happened so reluctantly i cooperated with that. So i got the message please give clear office address with landmark blah blah. So as i was gone with home visit, i filled the office address once again(i.e yesterday). So I’m expecting the office visit, I waited for him entire day not going anywhere, even skipping some necessary outside meetings. But no one showed up. So I thought they may come next day & decide to go home at 6.15Pm. i stepped out the office & reached my office exit gate with my bike & then i received the call, idfc verification blah blah. Then one of the weirdest kinda verification happened.

As usual asked, how long you’re working here designation area of my company’s work,till now its fine. Then He asked(needed) at least 2 colleagues Names, then started taking pictures of my office as it’s a newly getting married bride, top angle, lower angle, some long distance shots of premises, company sign board, one with me standing inside the office, then inside office without me, then a literal selfie with that agent that to inside the office, my colleagues seeing me like is this some kinda freak show!. There CC cameras everywhere what i have to answer to my higher officials if they see those. He took many attempts to capture my picture me being inside the office. So mannnnnnyyyyyy Pictures.

I never experienced this kinda office visit, my only prior experience was with hdfc, all that hdfc agent asked was how long, salary, designation that’s all, that to i wasn’t there at the time of verification, he spoke with my colleague & done & dusted, i even got the card swiggy ltf.

O my God that’s so embarrassing to me the way he clicking pictures, even climbing small walls to get the complete premises of the building, everyone is looking at me.

Still there’s no guarantee whether card will be approved
 
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without any physical verification, they gave me wealth first and then instant approval for the mayura. yes the photoshoot is typical for physical all banks do it but yours they went a bit extreme
 
1.5 Years back when i applied for a CC, after completion of Vkyc i got card approval under 2 mins. Then they offered Power Plus card & so i got that also. Then after few months of usage i closed them coz of no value. They Failed to Mark it as closed in Credit bureaus till few months back. That’s separate issue & case is at Rbi Ombudsman.

Few days back out of whim i applied for idfc card again, this time they even offered those metal peacock & horse Paid Cards. Obviously i chose select & rupay virtual CC, expecting instant approval, but it ain’t happened like that, so i was like, will wait for the office & home visits. 1st office visit, for some reason no matter how clear was the Address the person failed to reach the place, my office is at heart of the city with highest possibility of visibility, he failed to reach even with constant instruction of directions over call, So i got irritated & said please cancel verification, i applied whimsically. Then Next Day Out of nowhere Home visit happened so reluctantly i cooperated with that. So i got the message please give clear office address with landmark blah blah. So as i was gone with home visit, i filled the office address once again(i.e yesterday). So I’m expecting the office visit, I waited for him entire day not going anywhere, even skipping some necessary outside meetings. But no one showed up. So I thought they may come next day & decide to go home at 6.15Pm. i stepped out the office & reached my office exit gate with my bike & then i received the call, idfc verification blah blah. Then one of the weirdest kinda verification happened.

As usual asked, how long you’re working here designation area of my company’s work,till now its fine. Then He asked(needed) at least 2 colleagues Names, then started taking pictures of my office as it’s a newly getting married bride, top angle, lower angle, some long distance shots of premises, company sign board, one with me standing inside the office, then inside office without me, then a literal selfie with that agent that to inside the office, my colleagues seeing me like is this some kinda freak show!. There CC cameras everywhere what i have to answer to my higher officials if they see those. He took many attempts to capture my picture me being inside the office. So mannnnnnyyyyyy Pictures.

I never experienced this kinda office visit, my only prior experience was with hdfc, all that hdfc agent asked was how long, salary, designation that’s all, that to i wasn’t there at the time of verification, he spoke with my colleague & done & dusted, i even got the card swiggy ltf.

O my God that’s so embarrassing to me the way he clicking pictures, even climbing small walls to get the complete premises of the building, everyone is looking at me.

Still there’s no guarantee whether card will be approved
This Is Weird Madam Secretary GIF by CBS


This is a serious issue.
Bank should have better trained agents instead of hiring some random chhapri for field verification!

PS- We often curse Axis and Hdfc; but in reality their agents are most professional
 
I already hold a Sbi credit card, i applied for fuel card via agent, they said as i was already an existing customer they won’t do office verification, is it true? Can anyone respond who may have an idea regarding this. @SSV @Aniket
 
I already hold a Sbi credit card, i applied for fuel card via agent, they said as i was already an existing customer they won’t do office verification, is it true? Can anyone respond who may have an idea regarding this. @SSV @Aniket
How strange is it? I haven't received notification for this.

Most likely they won't but can't guarantee, why had you applied via an agent? Any specific reason?

If you had applied through SPRINT, you would have obtained it instantly.
 
How strange is it? I haven't received notification for this.

Most likely they won't but can't guarantee, why had you applied via an agent? Any specific reason?

If you had applied through SPRINT, you would have obtained it instantly.
No reason, i was looking for fuel card, fortunately an agent asked me out of nowhere when I’m walking on road(taking a break to nearby tea shop). So i said i need a fuel card & then rest of the things followed.
 
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