INDUSIND BANK KEEPS ON REJECTING CREDIT CARD APPLICATION

[AKHIL SP]

HI FOLKS,
Last year I opened a savings account ( 0 balance) DELIGHT account in INDUSIND bank. After opening the account I saw a credit card offer , so I applied the card and the application was rejected instantly. There was no credit score check from bank. After 3 months I applied the card again because the same offer was still there and unfortunately that application was also rejected instantly(no credit score check). but after 3 day a guy from the bank called me and asked me to apply only after 6 months other wise same result will occur. so waited for more than 180 days and tried again last week but no change , the application still rejected. so I decided to call customer care and I asked the representative about the reason and after 3-4 mins of checking he told me that the application was rejected due to BOUNDARY CHECK FAILURE. And I confirm with the bank that my pincode is serviceable. Actually the customer representative had no clue why my application was rejected. He asked me to send an e-mail to Indusind bank regarding the matter.
what's exactly a BOUNDARY CHECK means?

 

[pgarg24]

It looks like the details you might have provided exceeded the limit they can process in the backend system. Does any info that you provide are long..?

For ex: Suppose the address field allow 40 characters(including spaces, comma's etc) and if you entered 50 characters it would be rejected. Although Banks generally put a limit and does not allow you to get over that limit in online applications, maybe Indusind doesn't do that..? Try shortening all the details except the name and apply..

 

[vine]

Boundary check sounds like a software issue.
Am not a software dev, so could it be a Finacle/software temporary issue ?

Edit : above answer makes sense

 

[AKHIL SP]

It looks like the details you might have provided exceeded the limit they can process in the backend system. Does any info that you provide are long..?

For ex: Suppose the address field allow 40 characters(including spaces, comma's etc) and if you entered 50 characters it would be rejected. Although Banks generally put a limit and does not allow you to get over that limit in online applications, maybe Indusind doesn't do that..? Try shortening all the details except the name and apply..

Actually when I entered the OTP ,my name and details was auto fetched as I have account and I wasn't able to edit the details. The only thing I was able to edit was my DOB , gender , nationality. After that the application didn't go through the next page, it was rejected.

 

[MiddleClassCreditCards]

I am in the same boat as you. Did you find any solution.??

 

[pgarg24]

Actually when I entered the OTP ,my name and details was auto fetched as I have account and I wasn't able to edit the details. The only thing I was able to edit was my DOB , gender , nationality. After that the application didn't go through the next page, it was rejected.

oh, one thing about indusind is if you call customer care, they can raise a service request for the backend team to check.. maybe you can do that.. specifically ask them to create a ticket for the backend team and ask for a callback from their backend team. I have done this in the past.

In the meantime, ask them by email what this exactly means and how to resolve this.. send mail to priority.care@indusind.com.. Either they will reply or they won't.. raise it to their nodal mail ID after 15 days and after a month create a ticket to rbi ombudsman and attach above 2 emails as proof. Then you would surely get a call from their pno office and they would investigate and tell you what's going on..

I know it's a lot to do but seeing that you have been at this for almost 9 months, would suggest following the above method to get some concrete answers. Hope this helps 🙂

 

[AKHIL SP]

I am in the same boat as you. Did you find any solution.??

Not yet.

oh, one thing about indusind is if you call customer care, they can raise a service request for the backend team to check.. maybe you can do that.. specifically ask them to create a ticket for the backend team and ask for a callback from their backend team. I have done this in the past.

In the meantime, ask them by email what this exactly means and how to resolve this.. send mail to priority.care@indusind.com.. Either they will reply or they won't.. raise it to their nodal mail ID after 15 days and after a month create a ticket to rbi ombudsman and attach above 2 emails as proof. Then you would surely get a call from their pno office and they would investigate and tell you what's going on..

I know it's a lot to do but seeing that you have been at this for almost 9 months, would suggest following the above method to get some concrete answers. Hope this helps 🙂

Yes thanks a lot.. I have already mailed them regarding the issue to premium.care@indusind.com . Will wait for 2 more days. If there is no reply then I will do like you said. ☺️

 

[naveen25]

Not yet.

Yes thanks a lot.. I have already mailed them regarding the issue to premium.care@indusind.com . Will wait for 2 more days. If there is no reply then I will do like you said. ☺️

Me too in similar situation but I have a INDIE account

 

[AKHIL SP]

Me too in similar situation but I have a INDIE account

I think they are not interested to give credit cards to delight and indie customers.

 

[AKHIL SP]

I am in the same boat as you. Did you find any solution.??

Finally found the reason.. My pincode or the district is blacklisted by the bank because of too many NPA's. So cannot apply for a credit card unless it's been solved.

 

[Humanbeing]

Finally found the reason.. My pincode or the district is blacklisted by the bank because of too many NPA's. So cannot apply for a credit card unless it's been solved.

How did you get to know about this?

 

[AKHIL SP]

How did you get to know about this?

Yesterday I visited the branch.

 

[Boy 07]

Finally found the reason.. My pincode or the district is blacklisted by the bank because of too many NPA's. So cannot apply for a credit card unless it's been solved.

I applied the card approvel was with limit 2.2L they have home verification done after two days the declined reason multiple enquiries found in cibil .what to do now there are 6 enquiries in last 6 months

 

[TrueColours]

I applied the card approvel was with limit 2.2L they have home verification done after two days the declined reason multiple enquiries found in cibil .what to do now there are 6 enquiries in last 6 months

no.of enquiries in last 3 months?

 

[Salman925492]

I applied the card approvel was with limit 2.2L they have home verification done after two days the declined reason multiple enquiries found in cibil .what to do now there are 6 enquiries in last 6 months

Mine also same problem...! They said exactly same thing with me as well.
Did you resolve this or not...?
If any one know please let me know...?
How to resolve this....?

"As per the update received from team that the application got rejected due to Multiple unsecured enquiries noted.We wish to inform you that as part of processing a credit card application, we look at credit bureau information. Based on the information received from the bureau, we are unable to offer you our Credit Card.Please note, the processing of card application involves various verification checks and it is subject to approval.We thank you for your interest in IndusInd Bank credit card and do hope we can be of assistance to you in the future."

 

[Boy 07]

no.of enquiries in last 3 months?

only six 6

 

[Boy 07]

Mine also same problem...! They said exactly same thing with me as well.
Did you resolve this or not...?
If any one know please let me know...?
How to resolve this....?

"As per the update received from team that the application got rejected due to Multiple unsecured enquiries noted.We wish to inform you that as part of processing a credit card application, we look at credit bureau information. Based on the information received from the bureau, we are unable to offer you our Credit Card.Please note, the processing of card application involves various verification checks and it is subject to approval.We thank you for your interest in IndusInd Bank credit card and do hope we can be of assistance to you in the future."

there is no option but to wait if you want to get the card you have to slow down with your enquiries.dont apply any card in next three months they will call you for the card my application got declined nov-24 since then i did not apply a single card there is no enquiry let see what happened in the last of this month

 

[Salman925492]

there is no option but to wait if you want to get the card you have to slow down with your enquiries.dont apply any card in next three months they will call you for the card my application got declined nov-24 since then i did not apply a single card there is no enquiry let see what happened in the last of this month

Ok I'll keep it in mind. I'll wait for 6 months. And I'll not apply any cc during that time.
Thank you.

 

[Boy 07]

Ok I'll keep it in mind. I'll wait for 6 months. And I'll not apply any cc during that time.
Thank you.

you can apply after 3 months

 

[Boy 07]

you can apply after 3 months

did you count how much enquiries in last 6 months in your cibil?