Issues with AU Ixigo Credit Card Application Rejection and Delay in RBI Ombudsman Complaint Resolution

[Maitri_Maniya]

My AU Ixigo credit card application was rejected without any clear reason provided initially.

After several follow-ups over a few weeks, I was told that the rejection was due to the high number of active credit cards I currently hold.

questioned why this criterion was not mentioned during the application process and asked for the maximum number of credit cards allowed. I did not receive a satisfactory response.

I filed a complaint with the RBI Ombudsman on 29th January.
The next day, I received a call from the bank stating the same reason for rejection. When I mentioned the lack of clarity, they suggested reapplying after 6 months. I questioned the rationale behind reapplying, as my number of active cards would remain the same

Since then, I have not received any updates from AU Bank or the RBI Ombudsman.

Could anyone guide me on the next steps I should take to resolve this issue?

 

[imrahul]

They are losers, they did physical verification at home as well as office and then rejected citing internal reason, i asked pno and they gave me the same internal policy bullshit
I complained to RBI and they gave the reason high number of credit card, i agreed to their reason but asked them why they did home and office verification when they could have rejected just after cibil check and they had no answers and RBI shamefully closed my complaint after one month

 

[Sahil_07]

My AU Ixigo credit card application was rejected without any clear reason provided initially.

After several follow-ups over a few weeks, I was told that the rejection was due to the high number of active credit cards I currently hold.

questioned why this criterion was not mentioned during the application process and asked for the maximum number of credit cards allowed. I did not receive a satisfactory response.

I filed a complaint with the RBI Ombudsman on 29th January.
The next day, I received a call from the bank stating the same reason for rejection. When I mentioned the lack of clarity, they suggested reapplying after 6 months. I questioned the rationale behind reapplying, as my number of active cards would remain the same

Since then, I have not received any updates from AU Bank or the RBI Ombudsman.

Could anyone guide me on the next steps I should take to resolve this issue?

You can't do nothing
Rbi won't interfere bank's internal rules.
Like sbi rejects cards for the same reason citing over leverage.
So bank can set which ever guideline they want. You have to follow.
So close some of your cards then re apply after six months otherwise you won't get any

 

[NABNAB is verified member.]

Contact @deep@vie after 45 days.

 

[Maitri_Maniya]

You can't do nothing
Rbi won't interfere bank's internal rules.
Like sbi rejects cards for the same reason citing over leverage.
So bank can set which ever guideline they want. You have to follow.
So close some of your cards then re apply after six months otherwise you won't get any

but can i expect any compensation? because i followed up daily with AU bank. via calls and email and after around 20-25 days. i got a response from them. only after when i told them that i will complain to RBI. so can i expect compensation for not getting any reapply from AU bank?i escalated to the highest level

 

[Maitri_Maniya]

They are losers, they did physical verification at home as well as office and then rejected citing internal reason, i asked pno and they gave me the same internal policy bullshit
I complained to RBI and they gave the reason high number of credit card, i agreed to their reason but asked them why they did home and office verification when they could have rejected just after cibil check and they had no answers and RBI shamefully closed my complaint after one month

did you receive any compensation?

 

[Sahil_07]

but can i expect any compensation? because i followed up daily with AU bank. via calls and email and after around 20-25 days. i got a response from them. only after when i told them that i will complain to RBI. so can i expect compensation for not getting any reapply from AU bank?i escalated to the highest level

No you won't get any.
Getting compensation is not that easy.
Rbi only imposes penalty on banks or nbfc when they have made obvious errors.
In your case they have not done any.
But you may try

 

[imrahul]

did you receive any compensation?

No compensation, this shameless AU bank even rejected my request to remove the cibil enquiry for the same

 

[Maitri_Maniya]

No compensation, this shameless AU bank even rejected my request to remove the cibil enquiry for the same

RBI won't ask AU to give compensation?

 

[NABNAB is verified member.]

RBI won't ask AU to give compensation?

Why do you expect compensation from AU? It's up to bank to decide whether they want to issue CC to any individual or not!

 

[Maitri_Maniya]

Why do you expect compensation from AU? It's up to bank to decide whether they want to issue CC to any individual or not!

they haven't provided any rejection reason.

 

[Akshay Ajmera]

I am facing the same issue

 

[NABNAB is verified member.]

they haven't provided any rejection reason.

I don't think RBI will impose anything for this to the bank. As they already provided the reason later on.

I am facing the same issue

Try after 45 Days again. You can get the lead deleted and apply via Agent.

 

[Akshay Ajmera]

I don't think RBI will impose anything for this to the bank. As they already provided the reason later on.



Try after 45 Days again. You can get the lead deleted and apply via Agent.

Can't apply for this card via agent