Roar Bank rejected my credit card application with a strange reason

[Boy 07]

I had applied for a Roar Bank credit card on May 31, 2025, but the application was rejected at that time with the reason that I could reapply after 3 months. Now, more than 3 months have already passed, but the option to reapply is still not available.

When I contacted the bank via email, they gave me a very strange response—something I have never received from any bank in the past 5 years of my credit history, nor have I ever faced such a problem while applying for a credit card.

I have also repeatedly requested the bank to share the name of the institution they are referring to, but they have not provided that information.

Could you please advise what the next step of action should be in this situation?

 

[Dr.AMAN]

Have u ever applied for a credit card from another bank before and got rejected due to lack of salary slips/income proof. And do u have any derogatory remark in ur cibil report like "income document mismatch" or something like that. Looks like roaarbank is referring to that. Roarbank does reject for overleverage issue like SBI but this reason is new.

 

[Boy 07]

I applied for Indusind that time it was rejected but there was no any error like that I had asked reason they told you have 15 enquiries in last six months apply after three months then I applied again in July they approved.i am not able to understand about which bank they are talking
dusri baat agar koi bank application reject karta he to kya Cibil me show karta he ki iski application is karan se reject ki ja rahi he

Have u ever applied for a credit card from another bank before and got rejected due to lack of salary slips/income proof. And do u have any derogatory remark in ur cibil report like "income document mismatch" or something like that. Looks like roaarbank is referring to that. Roarbank does reject for overleverage issue like SBI but this reason is new.

 

[Dr.AMAN]

agar koi bank application reject karta he to kya Cibil me show karta he ki iski application is karan se reject ki ja rahi he

No roarbank bank cant see the reason for rejection by other banks in the past (anyways those bank dont report anything other than "internal policy"). But if u have a derogatory remark in ur cibil report then that can be seen by roarbank and they can reject based on that (and rightfully so). Check ur cibil in onescore app and go to derogatory remark section.

If u dont see any remark then u can raise the issue to roarbank's pno and even RBIO for knowing the real reason for rejection (although I dont think Roarbank card is worth that fight/effort). There r much better cards out there. (These neobanks burnt their money in the beginning trying to acquire customers and now when they have shortage of cash then they r rejecting applications due to flimsy reasons)

 

[Boy 07]

No roarbank bank cant see the reason for rejection by other banks in the past (anyways those bank dont report anything other than "internal policy"). But if u have a derogatory remark in ur cibil report then that can be seen by roarbank and they can reject based on that (and rightfully so). Check ur cibil in onescore app and go to derogatory remark section.
View attachment 111307
If u dont see any remark then u can raise the issue to roarbank's pno and even RBIO for knowing the real reason for rejection (although I dont think Roarbank card is worth that fight/effort). There r much better cards out there. (These neobanks burnt their money in the beginning trying to acquire customers and now when they have shortage of cash then they r rejecting applications due to flimsy reasons)

deragatory mark meri profile me 1 show ho raha he mujhe lagta ta tha ki ye diffrent address ke karan he mene is par dhiyan nahi diya ,kaise pata karu ye kis bank ne kiya he

 

[Dr.AMAN]

deragatory mark meri profile me 1 show ho raha he mujhe lagta ta tha ki ye diffrent address ke karan he mene is par dhiyan nahi diya ,kaise pata karu ye kis bank ne kiya he

If u click on that derogatory mark in Onescore app it will show the reason: whether address mismatch or income mismatch. Check it out

 

[Boy 07]

If u click on that derogatory mark in Onescore app it will show the reason: whether address mismatch or income mismatch. Check it out

yes attaching please see and tell what may be the possible reason RBL BANK LOOKS different in red

 

[Boy 07]

Address is mismatch should no be a declined reason for other bank i think any bank has done any other wrong reported in my cibil

 

[Dr.AMAN]

Seems like inconsistent address issue only. But It cannot be a reason for rejection (else they would have mentioned address issue). With 5+ years of 100% repayment history and and 0% credit utilization I dont think there can be a better credit profile than urs (except maybe overleverage issue). This stupid roarbank people have given some lousy reason to reject. Escalate it to their PNO via email and ask them to point out which income mismatch they r talking about. If no satisfactory reply then u can escalate to RBIO with compensation for not telling the reason.

 

[Boy 07]

Yes i emailed them and asked the bank name who rejected the application with given reason ,otherwised i have no option but to escalate to RBIO. Let see what they response

 

[Boy 07]

I recieved email From Roarbank with same reason and they are not willing to tell the name of the bank
I am not interested in Roarbank card any more but I want the truth behind the reason ,in my five years Cibil history no any bank gave such reason after the rejection the application

 

[Bhagat Singh]

I recieved email From Roarbank with same reason and they are not willing to tell the name of the bank
I am not interested in Roarbank card any more but I want the truth behind the reason ,in my five years Cibil history no any bank gave such reason after the rejection the application

Same with me 6 years of credit history
Multiple bank credit cards. Loans Overdrafts. Only 2 inquires in last 8 months. Roarbank is giving stupid reply that another bank rejected your card or loan recently so can't approve. Also not telling name of institution instead asking me to guess from my past application and than connect with that institution for correction.
WTF now should i connect every bank asking if they reported anything negative in my CIBIL???🤣🤣🤣🤣

@Vasuki @Aniket @raghu.rokda

 

[Dr.AMAN]

Guys I m telling u, these Roarbank people have exhausted their money. They gave their cards like free Rs.2 candies to whoever applied 3-4 months back. Even gave as high as 20-40% cashback. They r already a loss making neobank. Now that they have realised CC business is mot just about burning money so they r giving these senseless reasons to reject deserving applications. They rejected my application citing overleveraged but SBI approved a card the same month. Better to stay away from this card for time being.

 

[Boy 07]

Inka kuch ilaj to karna padega ye pagal hogaye Roar wale

 

[Dr.AMAN]

Inka kuch ilaj to karna padega ye pagal hogaye Roar wale

Cant blame them entirely. Some people also abused them nicely. Opening fake pet stores etc. to get 20% cb.

 

[stoptomove]

Rorbank mentioned in your screenshot that roght now they do not have reapply facility, so no point of reapply.

 

[Boy 07]

Cant blame them entirely. Some people also abused them nicely. Opening fake pet stores etc. to get 20% cb.

Yes it's happened
But I am not able to understand one thing that how they can see other bank rejection reason in the Cibil report

 

[Boy 07]

Rorbank mentioned in your screenshot that roght now they do not have reapply facility, so no point of reapply.

Yes,
but this reason is vary strange

 

[stoptomove]

Yes,
but this reason is vary strange

Derogatory remarks and employment and income documents are the base for approval. So nothing strange. It feels strange because now the banks are sharing non approval reason with users.

 

[Dr.AMAN]

If they feel there is any discrepency in income details then they should ask for Salary slips, do office verification or atleast call and clarify what is the issue. They cannot expect a person with 5+ years of Cibil history to have the same salary over those years. Just flat out rejecting the application with copy-paste email without any clarity is strange. It is as if they r avoiding onboarding customers now.