Kotak Credit Card - when does the CIBIL inquiry happen?

[gischethans]

In the hopes of getting the Kotak Urbane Rupay Card, I tried the direct link on the Kotak website to apply for it. I had to try twice due to screen refresh issues but each time I got OTPs to login and select the card based on income range selection. However, this card was not shown and as nothing worked, I logged in to my net banking (I'm a Kotak customer as well) where I could select the Urbane Gold card but that ended up with a blank screen and subsequently "rejected as per internal criteria". The likely reason is my PIN Code is a rural one where Kotak does not have a branch.

Now the bigger concern is when does CIBIL get hit? In the login attempt itself or sometime later during the approval process?

 

[ashwinkashwink is verified member.]

In the hopes of getting the Kotak Urbane Rupay Card, I tried the direct link on the Kotak website to apply for it. I had to try twice due to screen refresh issues but each time I got OTPs to login and select the card based on income range selection. However, this card was not shown and as nothing worked, I logged in to my net banking (I'm a Kotak customer as well) where I could select the Urbane Gold card but that ended up with a blank screen and subsequently "rejected as per internal criteria". The likely reason is my PIN Code is a rural one where Kotak does not have a branch.

Now the bigger concern is when does CIBIL get hit? In the login attempt itself or sometime later during the approval process?

They simply don't allow to open account in non serviceable areas how did you opened it?

 

[gischethans]

They simply don't allow to open account in non serviceable areas how did you opened it?

That's even more interesting. I got it as my salary account while in a Tier-1 city. I later changed the permanent and communication address to my hometown. Since then no pre-approved offers, no credit card, nothing!

 

[nadeem]

applied for League credit card, no response yet.
Do they need physical kyc? or the aadhaar otp kyc done during application is enough?

 

[Avangerritesh]

Open kotak 811 digital savings account do some upi transaction and get kotak 811 credit card within week. Cibil check occurs during savings account opening. This is how my credit card for kotak Mahindra bank got approved.

 

[Grim]

In the hopes of getting the Kotak Urbane Rupay Card, I tried the direct link on the Kotak website to apply for it. I had to try twice due to screen refresh issues but each time I got OTPs to login and select the card based on income range selection. However, this card was not shown and as nothing worked, I logged in to my net banking (I'm a Kotak customer as well) where I could select the Urbane Gold card but that ended up with a blank screen and subsequently "rejected as per internal criteria". The likely reason is my PIN Code is a rural one where Kotak does not have a branch.

Now the bigger concern is when does CIBIL get hit? In the login attempt itself or sometime later during the approval process?

As per my experience. Once you permit or apply for cc kotak makes and enquiry on cibil. For internal policy you cannot be sure of pin code. Kotak has this bad procedure of rejecting the card and simply stating their internal policy that too they will not give clear reason. I was in serviceable area and during 811 a/c opening they offered 811 card approved but they rejected it with the same reason. I will suggest you to avoid kotak cards at first as they will affect your cibil and will give you tension. Kotak has bad habit of reporting absurd amount to cibil even if your statement generated is 0. I own kotak kaching xl and I am fed up of them.

 

[gischethans]

After checking the report every month since April, I have come to the conclusion that CIBIL enquiry does not happen if you are an existing customer. I make it a point to provide only the customer ID when authenticating to the Cards portal as an existing customer.

 

[Cosmicgaze]

When opening your 811 account they do a soft enquiry to see score and then offer you a card. If you accept it they will use the same soft enquiry.
I have not got a cibil enquiry yet. Applied a week ago got approved on 14th and received card on 17th.
However OneCard sent me a sms randomly (I had registered long ago) that my application is approved and to apply further. Completed vkyc and later noticed my Experian score change on Paytm, saw an equiry done by SIB for the card.
From what I have read if you have an account and there’s a pre approved offer in Kotak they already have your score and don’t need to do a hard enquiry.