Axis credit card application - confusing journey

77°
Deal Subedar
Demon_slayer
I applied for axis neo credit card yesterday online, I have no prior relationship with axis bank.

After providing the necessary details, I was told to wait and received an application no.

After a few minutes, received an sms that said "welcome aboard, complete your vkyc now using the link ....". So I assumed it's been approved, did the kyc. Then no reply.

I checked the application status today, it only shows applied.

No eligibility check done, etc. Again to wait for 5 - 7 working days.

Since I received the "welcome aboard " message, I thought they have done their checking.

1. Why did they ask me to do vkyc before even checking?

Every card before this either processed the application, approved and asked to do kyc.

Or rejected the application, After the application stage.

This is very strange.

2. Is this the norm with axis?

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Deal Cadet Deal Cadet
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ya weird mostly after approval only vkyc is initiated, so i think your card is approved, just the status is not updated in the online tracking portal. dont worry as vkyc is done probably your card is approved

Which card you applied btw?

Deal Subedar Deal Subedar
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Axis neo but after application submitted, it showed axis myzone smile.

So there is that as well.

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Deal Cadet Deal Cadet
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Call this toll free and you and get into the option of credit card and press 9 to speak with phone banking officer and get answer for your application status from the phone banking excutive

18001035577

Deal Subedar Deal Subedar
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Will try tomorrow and update you, thanks.

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Deal Subedar Deal Subedar
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After kyc they take 3 to 5 days to update the status of your application  through sms and email

Deal Subedar Deal Subedar
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Why ask the applicant to do kyc, if they still haven't bothered to check eligibility?

That's what drives me nuts. No card company in my experience did this.

So, if they reject the application now, the customer has provided all the personal information and did the money dance they make as do while doing kyc was all nothing.

They got data of people who they weren't going to take as customers. That's fraud.
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Super Stud Super Stud
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finally

your card is rejected successfully

Super Stud Super Stud
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you will know the reason based on reactions on this comments
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Finance Mentor Finance Mentor
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Shed off axis like a rotten leaf and move on, I have done so and living a peaceful life.

bcoz axis is like a Lucknowi baaiji, kab kya iccha ho kaun jaane! @Demon_slayer

Aap maane ya na maane, naye ho, humne bohat dekh lii hai, izzat karna seekho senior o ki experience pe, bhala hoga...

Deal Subedar Deal Subedar
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Can you give a translation?
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