Kotak credit card application rejected twice due to credit profile

[Patil007]

Hi,

My CIBIL is 803 currently and I have 10 credit cards,

After that I have applied Kotak platinum league LTF credit card, It was rejected without CIBIL hit and they said rejected due to credit profile.

Now, after 3-4 Months, I have opened Kotak Pro saving account and applied Kotak white LTF card and it is again rejected within 5 days without CIBIL hit.

when I called customer care, they said it is rejected due to credit profile is suited in bank policy.

Is it due to I have more number of credit cards (10 cards)

 

[MOhit __]

When Kotak was approved, I had 14 credit cards total, as of right now, I have 18.

 

[ARV]

Hi,

My CIBIL is 803 currently and I have 10 credit cards,

After that I have applied Kotak platinum league LTF credit card, It was rejected without CIBIL hit and they said rejected due to credit profile.

Now, after 3-4 Months, I have opened Kotak Pro saving account and applied Kotak white LTF card and it is again rejected within 5 days without CIBIL hit.

when I called customer care, they said it is rejected due to credit profile is suited in bank policy.

Is it due to I have more number of credit cards (10 cards)

They rejected for me saying pin code not serviceable. I live in Bangalore and have 3 AMEX cards which has the least serviceable area and heck i have their 811 account with a branch 200 mtr from my house

 

[4uziaul]

They rejected for me saying pin code not serviceable. I live in Bangalore and have 3 AMEX cards which has the least serviceable area and heck i have their 811 account with a branch 200 mtr from my house

Even though the bank is less than a kilometer away from me, they still ended up giving me the same reason.

 

[ARV]

Even though the bank is less than a kilometer away from me, they still ended up giving me the same reason.

Anyways their cards not worth fighting for so left it at that. No CIBIL hit as well

 

[Patil007]

Will visit branch and check in Saturday better

 

[great]

Hi,

My CIBIL is 803 currently and I have 10 credit cards,

After that I have applied Kotak platinum league LTF credit card, It was rejected without CIBIL hit and they said rejected due to credit profile.

Now, after 3-4 Months, I have opened Kotak Pro saving account and applied Kotak white LTF card and it is again rejected within 5 days without CIBIL hit.

when I called customer care, they said it is rejected due to credit profile is suited in bank policy.

Is it due to I have more number of credit cards (10 cards)

Can you confirm whether you are salaried or self employed and nature of business

 

[4uziaul]

Anyways their cards not worth fighting for so left it at that. No CIBIL hit as well

Same here, I wouldn't have even bothered to apply, but the agent who came for KYC insisted that it's pre-approved and I don't have to do anything.

I'm just wondering, you live in Bangalore and I'm in Kolkata, and yet they're saying it's not serviceable. I can't even imagine what it must be like for Tier-2 and Tier-3 cities.

 

[Patil007]

Will visit branch and check in saturday better

 

[Patil007]

Salaried

Can you confirm whether you are salaried or self employed and nature of business

 

[Patil007]

Anyways their cards not worth fighting for so left it at that. No CIBIL hit as well

Collecting LTF cards, White was showing LTF so applied.

Already removed Yes bank, AU bank and BOB cards from my wish list .

 

[ARV]

Collecting LTF cards, White was showing LTF so applied.

Already removed Yes bank, AU bank and BOB cards from my wish list .

Same, applied as it LTF

 

[Patil007]

Applied three credit cards on same day,

1) Kotak white LTF- Rejected.
2) ICICI Coral - Rejected due to address mismatch
3) HDFC tata neu FYF - Rejected.

 

[Card_Crafter]

Applied three credit cards on same day,

1) Kotak white LTF- Rejected.
2) ICICI Coral - Rejected due to address mismatch
3) HDFC tata neu FYF - Rejected.

Then you must be having some issues in your credit profile then.

 

[TheTrickySid]

Hi,

My CIBIL is 803 currently and I have 10 credit cards,

After that I have applied Kotak platinum league LTF credit card, It was rejected without CIBIL hit and they said rejected due to credit profile.

Now, after 3-4 Months, I have opened Kotak Pro saving account and applied Kotak white LTF card and it is again rejected within 5 days without CIBIL hit.

when I called customer care, they said it is rejected due to credit profile is suited in bank policy.

Is it due to I have more number of credit cards (10 cards)

How did you got the offer for white LTF??

 

[Patil007]

How did you got the offer for white LTF??

Branch representatives called me and asked me to apply and there Jioning and annual fee was showing zero.

 

[Patil007]

Then you must be having some issues in your credit profile then.

No payment missed in 7 years, 803 cibil.

Negative point is 10 credit cards, thats it.

 

[pprakash11]

Same with me!! No CIBIL Hit, Card Application gets rejected even before giving Application reference number.
@4uziaul

 

[4uziaul]

Same with me!! No CIBIL Hit, Card Application gets rejected even before giving Application reference number.
@4uziaul

You will receive a similar excuse of 'non-serviceable area'

 

[pprakash11]

You will receive a similar excuse of 'non-serviceable area'

Lagta hai Kolkata me kisi branch me jana padega, but really don't want to that exercise just for sh*t Kotak CC