Paisabazaar Pre-approved CC Offer

[rp0703]

I'm getting Paisabazaar Pre-approved LTF offer of Indusind bank CC without Income documents. Should i apply ?

 

[Nemesis]

Any third party can't provide a pre approved offer... Later you application might get rejected based on any banking criteria you might not fulfill.

Try applying from indusind website you have clear the criteria

 

[ltf4ever]

I'm getting Paisabazaar Pre-approved LTF offer of Indusind bank CC without Income documents. Should i apply ?
View attachment 4879

i had done it via paisabazar and the process was extremely smooth. paisabazaar claims on their website that applying through 3rd party apps does not lead to a hard enquiry.

only downside is: a LOT of spam calls and SMSs later for personal loans, investment, etc. They never stop!

 

[Gautham]

i had done it and the process was extremely smooth. paisabazaar claims on their website that applying through 3rd party apps does not lead to a hard enquiry.

only downside is: a LOT of spam calls and SMSs later for personal loans, investment, etc. They never stop!

Does the paizabazar link make us apply in indusind website or entire process happens in paisabazar app itself?

 

[rp0703]

i had done it and the process was extremely smooth. paisabazaar claims on their website that applying through 3rd party apps does not lead to a hard enquiry.

only downside is: a LOT of spam calls and SMSs later for personal loans, investment, etc. They never stop!

was there any hard inquiry in cibil when you applied?

 

[ltf4ever]

was there any hard inquiry in cibil when you applied?

i haven't checked it yet, as cibil was down for many days. will update here if there was an enquiry.

 

[rp0703]

i haven't checked it yet, as cibil was down for many days. will update here if there was an enquiry.

did your card approved?

 

[ltf4ever]

Does the paizabazar link make us apply in indusind website or entire process happens in paisabazar app itself?

all in app only.

did your card approved?

yes.

 

[rp0703]

i have applied rbl duet credit card from paisabazaar only vkyc was done no physical verification and i got my credit card

was cibil hit with enquiry?

 

[avikrish]

was cibil hit with enquiry?

Credit Card will get approved only after an hard enquiry from bank, even if it is pre approved. Without bank enquiry your cc will not get processed

 

[ltf4ever]

Credit Card will get approved only after an hard enquiry from bank, even if it is pre approved. Without bank enquiry your cc will not get processed

i think preapproved is where banks have already enquired about your score and other factors and have decided to offer you cc. it leads to a soft enquiry because it is initiated by the bank and that does not affect scores.

but if you approach the bank yourself for getting a cc, then that may lead to a 'hard' enquiry because it is initiated by the customer.

@TechnoFino to clarify plz.

 

[Gautham]

i haven't checked it yet, as cibil was down for many days. will update here if there was an enquiry.

Yes, Please.

 

[rp0703]

I have submitted application but not done VKYC yet and just checked CIBIL and there's no enquiry from indusind bank. May be they'll hit cibil after VKYC?

Recent enquiry was from Axis Bank on 6th Sep 2022.

Should i go through with VKYC?

 

[Gautham]

I have submitted application but not done VKYC yet and just checked CIBIL and there's no enquiry from indusind bank. May be they'll hit cibil after VKYC?

Have you ever applied directly thru indusind before? Or is this the first time?

 

[rp0703]

Have you ever applied directly thru indusind before? Or is this the first time?

I once applied through bank bazaar and got rejected, also got hit by enquiry.

 

[Gautham]

I once applied through bank bazaar and got rejected, also got hit by enquiry.

3 months or 6 months over? I got rejected by indusind directly 2 months ago. But got offer from paiza bazaar so waiting for 3 months or 6 months.

 

[rp0703]

3 months or 6 months over? I got rejected by indusind directly 2 months ago. But got offer from paiza bazaar so waiting for 3 months or 6 months.

Applied on 16 Feb , so it's been over 6 months now.

Actually i also got call from Indusind bank couple of days ago for credit card but I didn't apply then.

 

[Gautham]

Applied on 16 Feb , so it's been over 6 months now.

Actually i also got call from Indusind bank couple of days ago for credit card but I didn't apply then.

Great. Please kindly update us further happenings.

 

[rp0703]

Great. Please kindly update us further happenings.

I don't know whether i should go through with VKYC or not. Because my score already went down 11 points when i applied Axis card. If they made hard enquiry then score might get effected again.

 

[Gautham]

I don't know whether i should go through with VKYC or not. Because my score already went down 11 points when i applied Axis card. If they made hard enquiry then score might get effected again.

If you dont have any other new cc plan, dont worry about the score and go ahead.