Ltf Axis Cards by agent

[Arkapal Sen]

I dont have any axis bank account..i have CC of sbi,yes bank,icici
but today one girl called and said she is from axis cc department..
she said , axis is offering me ltf cards. The cards are : iocl, flipkart, myzone and airtel axis
all these r ltf for me..
i said will call u later..
are these calls fake?and if it is not fake..do they really give ltf by this way ? (as i dont have any axis bank account)

 

[Rahul Gupta]

I dont have any axis bank account..i have CC of sbi,yes bank,icici
but today one girl called and said she is from axis cc department..
she said , axis is offering me ltf cards. The cards are : iocl, flipkart, myzone and airtel axis
all these r ltf for me..
i said will call u later..
are these calls fake?and if it is not fake..do they really give ltf by this way ? (as i dont have any axis bank account)

She is a DSA (Direct Selling Agent). Don't ever apply cards via phone calls that you recieve. Their words have zero value. If you want an axis cc then apply directly via axis website you will see some LTF and some paid cards their and keep in mind never ever trust a person who is selling a credit card to you.

 

[drsel]

Avoid these call centre direct selling agents.
They will try and get your personal information and you don't know if they are genuine or not

 

[Arkapal Sen]

@drsel and @Rahul Gupta bhai i have savings max account..i nearly maintain 1lac+ alwys..new account 3months old..now same way two calls came from hdfc claiming ltf cards..now i dont see any preapprove offers in my netbanking too..and even i have a frnd working in my home branch..he said dont trust those calls..u will have to wait much more to get preapprove offers..and u will get as time goes..
is my friend saying right?

 

[drsel]

Your friend is right

 

[Arkapal Sen]

Your friend is right

thanks bro..i will remember this and will be cautious about these calls

 

[shu_sha]

@drsel and @Rahul Gupta bhai i have savings max account..i nearly maintain 1lac+ alwys..new account 3months old..now same way two calls came from hdfc claiming ltf cards..now i dont see any preapprove offers in my netbanking too..and even i have a frnd working in my home branch..he said dont trust those calls..u will have to wait much more to get preapprove offers..and u will get as time goes..
is my friend saying right?

Don't trust them just by over call.

Ask them if it's really LTF then to drop you an email with their official email id and then go via that route applicable for all bank CC.

 

[Rahul Gupta]

@drsel and @Rahul Gupta bhai i have savings max account..i nearly maintain 1lac+ alwys..new account 3months old..now same way two calls came from hdfc claiming ltf cards..now i dont see any preapprove offers in my netbanking too..and even i have a frnd working in my home branch..he said dont trust those calls..u will have to wait much more to get preapprove offers..and u will get as time goes..
is my friend saying right?

He is right. You will see your pre-approved offer in netbanking offers section. Always ask in this cummunity before applying for any card until you get experience.

 

[shivamk]

@drsel and @Rahul Gupta bhai i have savings max account..i nearly maintain 1lac+ alwys..new account 3months old..now same way two calls came from hdfc claiming ltf cards..now i dont see any preapprove offers in my netbanking too..and even i have a frnd working in my home branch..he said dont trust those calls..u will have to wait much more to get preapprove offers..and u will get as time goes..
is my friend saying right?

For new account pre approved offer should come after 4 months

 

[Arkapal Sen]

For new account pre approved offer should come after 4 months

samajh gya..wait is best optn then

 

[aayushgala]

I dont have any axis bank account..i have CC of sbi,yes bank,icici
but today one girl called and said she is from axis cc department..
she said , axis is offering me ltf cards. The cards are : iocl, flipkart, myzone and airtel axis
all these r ltf for me..
i said will call u later..
are these calls fake?and if it is not fake..do they really give ltf by this way ? (as i dont have any axis bank account)

Even I got the call yesterday saying LTF from the same cards that you mentioned. I asked them to send me the same on the mail after which they asked me to get another LTF cards other than Axis ones.

 

[aayushgala]

Avoid these call centre direct selling agents.
They will try and get your personal information and you don't know if they are genuine or not

Sometimes even banks call us saying we have pre-approved cards. How to identify which are the direct selling agents and which are the banks?

 

[drsel]

Sometimes even banks call us saying we have pre-approved cards. How to identify which are the direct selling agents and which are the banks?

Avoid all offers on phone call

 

[Arkapal Sen]

Sometimes even banks call us saying we have pre-approved cards. How to identify which are the direct selling agents and which are the banks?

just ask them r u from my local branch aka ur home branch..if say yes..either u go and talk..or ask them to come home..simple af

 

[Rahul Gupta]

Sometimes even banks call us saying we have pre-approved cards. How to identify which are the direct selling agents and which are the banks?

Its easy. If a bank is geuinely giving you a pre-approved offer based on your relationship with the bank then you can see this offer in mobile app/net banking and even ask the bank customer care directly. Also offical calls don't come from personal numbers.

 

[Rahul Gupta]

just ask them r u from my local branch aka ur home branch..if say yes..either u go and talk..or ask them to come home..simple af

No don't do this. For their own benefit even branch people could lie. You should always call bank customer care first.

 

[Arkapal Sen]

No don't do this. For their own benefit even branch people could lie. You should always call bank customer care first.

if they really lie..go and check it on branch..by calling that nmbr while staying in branch

 

[RadTheCrab]

Sometimes even banks call us saying we have pre-approved cards. How to identify which are the direct selling agents and which are the banks?

Truecaller is your best bet. Usually if someone from the bank is calling, Truecaller shows them as verified, whereas if someone is pretending to be talking on behalf of the bank, almost always you'll see thier profile as red, which will signal you to be more cautious.

Of course there are false positives and negatives, but, more often than not, you'll get a decent idea about the credibility of the caller beforehand. And with time you'll be able to distinguish between real and fake much more easily.

Also, usually these Direct Selling Agents offer CCs from multiple banks. So, let's say the person offers you a LTF card from SBI, and you respond to that by saying you already have a CC from them, they'll likely say - Ok sir, would you like to apply for a HDFC card, etc. This is a dead giveaway of their identity. Just block them right away and report them on truecaller so that thier next target is also alerted.

 

[Arkapal Sen]

Truecaller is your best bet. Usually if someone from the bank is calling, Truecaller shows them as verified, whereas if someone is pretending to be talking on behalf of the bank, almost always you'll see thier profile as red, which will signal you to be more cautious.

Of course there are false positives and negatives, but, more often than not, you'll get a decent idea about the credibility of the caller beforehand. And with time you'll be able to distinguish between real and fake much more easily.

Also, usually these Direct Selling Agents offer CCs from multiple banks. So, let's say the person offers you a LTF card from SBI, and you respond to that by saying you already have a CC from them, they'll likely say - Ok sir, would you like to apply for a HDFC card, etc. This is a dead giveaway of their identity. Just block them right away and report them on truecaller so that thier next target is also alerted.

i dont trust truecaller as it just watches all my activity and sharing all over..thing is i will straightly deny these calls cards offer

 

[RadTheCrab]

i dont trust truecaller as it just watches all my activity and sharing all over..thing is i will straightly deny these calls cards offer

Actually thier privacy policy isn't much different from Google Messages, so it doesn't matter for me.