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 😂

 

[varun__goel_]

Nah just agent girl spamming call from so many numbers .whatspp
I guess i m done applying this season.
Will apply in march april
Till then m happy .going back to hard-core studying..

See you Soon
@S S V @techt @varun__goel_ @#aniket 🙂
If i have break-up expect me soon else will come in march 😅

Jald milenge dost🫂
Mera bhi may june tak exit aana vaala tha bas😉

 

[ARV]

Here is the timeline from closure of Select to Wealth
16th Jan - placed closure request on app for select with CL 2L
19th Jan - applied with a new number got Wealth with 10L limit
23rd Jan - Office & Home verification but no Docs verification
24th Jan - approved 23rd Jan -
Method - C2C - Regalia Gold 8L CL, Sal 3.3L PM

 

[RockyBond]

Here is the timeline from closure of Select to Wealth
16th Jan - placed closure request on app for select with CL 2L
19th Jan - applied with a new number got Wealth with 10L limit
23rd Jan - Office & Home verification but no Docs verification
24th Jan - approved 23rd Jan -
Method - C2C - Regalia Gold 8L CL, Sal 3.3L PM

Both office and home verification done?

 

[ARV]

Both office and home verification done?

Yes both were verified

 

[Aniket]

Here is the timeline from closure of Select to Wealth
16th Jan - placed closure request on app for select with CL 2L
19th Jan - applied with a new number got Wealth with 10L limit
23rd Jan - Office & Home verification but no Docs verification
24th Jan - approved 23rd Jan -
Method - C2C - Regalia Gold 8L CL, Sal 3.3L PM

Would you mind sharing how home and office verification is carried out?

Verifier asked you neighbour about your residence or acknowledge your residence as you were living there?

In the same way, office verification was carried out virtually or physically by enquiry desk executive (receptionist) ?

 

[ARV]

Would you mind sharing how home and office verification is carried out?

Verifier asked you neighbour about your residence or acknowledge your residence as you were living there?

In the same way, office verification was carried out virtually or physically by enquiry desk executive (receptionist) ?

Office: The verification guy was not allowed inside, he called me and i went down and he clicked my pic with the office building and left
Home: The verification guy went home and i was in office so he checked with my wife if i live there and for how many years and left

 

[Riya]

You know what. I entered 3L salary and existing icici Sapphiro 10L card. Got wow card FD based. 😀

@cardio_guy you'll having a good cardio laughing out hard 🤣🤣🤣 FD based card... 🤣🤣🤣🤣

 

[CardGame]

Title needs an edit. I came looking for a failed story 😀

 

[Aniket]

Office: The verification guy was not allowed inside, he called me and i went down and he clicked my pic with the office building and left
Home: The verification guy went home and i was in office so he checked with my wife if i live there and for how many years and left

Thank you bro for sharing😅

 

[Aniket]

Here is the timeline from closure of Select to Wealth
16th Jan - placed closure request on app for select with CL 2L
19th Jan - applied with a new number got Wealth with 10L limit
23rd Jan - Office & Home verification but no Docs verification
24th Jan - approved 23rd Jan -
Method - C2C - Regalia Gold 8L CL, Sal 3.3LPM

3.3 lac/mth WoW 😳 ☺️
What job do you do ? Only share if you're comfortable, otherwise no problem.

 

[ARV]

3.3 lac/mth WoW 😳 ☺️
What job do you do ? Only share if you're comfortable, otherwise no problem.

Sorry cant disclose in public forum

 

[Riya]

Here is the timeline from closure of Select to Wealth
16th Jan - placed closure request on app for select with CL 2L
19th Jan - applied with a new number got Wealth with 10L limit
23rd Jan - Office & Home verification but no Docs verification
24th Jan - approved 23rd Jan -
Method - C2C - Regalia Gold 8L CL, Sal 3.3L PM

Do they entertain same customer so early???

 

[Aniket]

Sorry cant disclose in public forum

Nevermind, Respect your decision. ☺️

 

[deep@vie]

IDFC wale physical verification ke time padosi se bhi puchte hain ki ladka kaisa hai? udhar to ni leta?
kya ye income proof ni mange ge?

Udhar ii nhi ye bhi poochhte hain peg seg to nhi lgata din me🤣

 

[deep@vie]

Do they entertain same customer so early???

One can reapply on the next day of closure using alternate number

 

[deep@vie]

Sorry cant disclose in public forum

@#aniket ko dm hi krdo😀

 

[ARV]

Do they entertain same customer so early???

Yes they do, until it gets patched

 

[Riya]

One can reapply on the next day of closure using alternate number

Doesn't that number needs to be linked with aadhar because during vkyc they ask for it

 

[ARV]

Doesn't that number needs to be linked with aadhar because during vkyc they ask for it

OTP comes to your aadhar registered number, you just enter the OTP and proceed

 

[Aniket]

@#aniket ko dm hi krdo😀

Wo bhaiya bura na maan jaye 🤭