My experience of closing idfc select card and applying for wealth card - A big fail converted to success

[RockyBond]

So I closed my Idfc select card having 1,80,000 limit as Idfc didn't upgrade it to wealth.

Closed wealth card 2 weeks ago. Today applied on idfc portal two times using a different number.

1. First time
Put real monthly income as 1,40,000 and existing card of amex limit 6,30,000.
Showed I am eligible for select card of limit 3,00,000. Cancelled the application.

2. Second time
After 30 mins again applied on portal. This time put higher monthly income of 8,00,000 and didn't select existing card option. Showed i am eligible for select card again but this time less limit of 2,22,000. Again cancelled the application.

Seems wealth card not in my luck even after having amex with 6.3 lakhs limit.

What am I doing wrong?

Update :-
3. Third time

With lot of thinking I thought of trying again. This time I put monthly income of 4,00,000 and selected existing card of amex limit 6,30,000 . And guess what Idfc showed wealth card with limit of 10,00,000. Just now did video kyc and waiting for approval/rejection

Final update 29th January :-
Application approved without any home or office verification.

From failure to success. What a journey 😂

 

[Swastik]

Sent them my magnus statement with 5.1 lakh limit ,received below reply

Dear Sir,
Greeting from IDFC FIRST Bank!

We understand your concern.

In order to upgrade your card, we will need to increase your credit limit post which we can check if card is eligible for upgrade. For limit increase we request you to share income documents. Request you to send below documents on banker@idfcfirstbank.com.

Last 3 months of salary slip along with 3 months Bank statement stating Salary Credit with IFSC code and other detail reflecting.

Please note: Limit enhancement and upgrade is subject to assessment basis the document shared and bank's internal policies.

Warm Regards,
Nisha.Pujari
IDFC FIRST Bank
Customer Experience Team

 

[RockyBond]

Sent them my magnus statement with 5.1 lakh limit ,received below reply

Dear Sir,
Greeting from IDFC FIRST Bank!

We understand your concern.

In order to upgrade your card, we will need to increase your credit limit post which we can check if card is eligible for upgrade. For limit increase we request you to share income documents. Request you to send below documents on banker@idfcfirstbank.com.

Last 3 months of salary slip along with 3 months Bank statement stating Salary Credit with IFSC code and other detail reflecting.

Please note: Limit enhancement and upgrade is subject to assessment basis the document shared and bank's internal policies.

Warm Regards,
Nisha.Pujari
IDFC FIRST Bank
Customer Experience Team

Idfc doesn't increase limit with other cc. Only income proof

 

[RockyBond]

Mine is also stuck at credit review but the due date is tomorrow. I will wait till tomorrow morning before raising it on Twitter

Any movement on your application?

 

[deep@vie]

Idfc doesn't increase limit with other cc. Only income proof

Yes .100% 👍

 

[vine]

Sent them my magnus statement with 5.1 lakh limit ,received below reply

Dear Sir,
Greeting from IDFC FIRST Bank!

We understand your concern.

In order to upgrade your card, we will need to increase your credit limit post which we can check if card is eligible for upgrade. For limit increase we request you to share income documents. Request you to send below documents on banker@idfcfirstbank.com.

Last 3 months of salary slip along with 3 months Bank statement stating Salary Credit with IFSC code and other detail reflecting.

Please note: Limit enhancement and upgrade is subject to assessment basis the document shared and bank's internal policies.

Warm Regards,
Nisha.Pujari
IDFC FIRST Bank
Customer Experience Team

IDFC be like I Dont F**king Care

 

[hackymanoj]

Any movement on your application?

No update yet. Raised with the Twitter team in the morning. They have sent me an email asking to write my concern and received a automatic reply stating the issue will be looked in the next working day.

 

[Ram1]

Did u get the following message after vkyc verification
Dear Customer, your KYC with IDFC FIRST Bank has been updated. Download our Mobile App to enjoy a seamless banking experience: https://idfcfir.st/login

 

[hackymanoj]

Did u get the following message after vkyc verification
Dear Customer, your KYC with IDFC FIRST Bank has been updated. Download our Mobile App to enjoy a seamless banking experience: https://idfcfir.st/login

Yes, I did receive this message

 

[Ram1]

Yes, I did receive this message

Do u have idfc account?

 

[hackymanoj]

Do u have idfc account?

Yes, I do

 

[Ram1]

Yes, I do

I'm also on the same boat.
I think there will be both home & office verification if not approved within short time of vkyc verification

 

[hackymanoj]

I'm also on the same boat.
I think there will be both home & office verification if not approved within short time of vkyc verification

No one has called me yet. Applied on 21st

 

[RockyBond]

I'm also on the same boat.
I think there will be both home & office verification if not approved within short time of vkyc verification

Ya seems so

 

[Ram1]

Ya seems so

If we are on leave, can our collegue attend office verification on our behalf?

 

[deep@vie]

If we are on leave, can our collegue attend office verification on our behalf?

Yes, even receptionist can confirm

 

[APT]

Sent them my magnus statement with 5.1 lakh limit ,received below reply

Dear Sir,
Greeting from IDFC FIRST Bank!

We understand your concern.

In order to upgrade your card, we will need to increase your credit limit post which we can check if card is eligible for upgrade. For limit increase we request you to share income documents. Request you to send below documents on banker@idfcfirstbank.com.

Last 3 months of salary slip along with 3 months Bank statement stating Salary Credit with IFSC code and other detail reflecting.

Please note: Limit enhancement and upgrade is subject to assessment basis the document shared and bank's internal policies.

Warm Regards,
Nisha.Pujari
IDFC FIRST Bank
Customer Experience Team

time waste . they wont

 

[deep@vie]

time waste . they wont

Even banks like kotak & RBL stopped accepting statements why would IDFC.

 

[TheTrickySid]

Even banks like kotak & RBL stopped accepting statements

When ? ?

 

[deep@vie]

When ? ?

They're not accepting now.
AU has started giving meagre limit even after showing 3times.
Getting good limits won't be easy now.

 

[Ram1]

I'm also on the same boat.
I think there will be both home & office verification if not approved within short time of vkyc verification

Just now home verification done
Agent said no office verification