Credit card application rejected without any reason

167°
Deal Cadet
imranmdji
My ICICI Amazon pay card application and HDFC Tata neu card application was rejected recently without stating the proper reason.
My crif score is 800+ and my Experian score is 860+. When asked for details, it says credit score or application errors might be the reason.
I applied through the Amazon app and Tata neu app respectively.
Already hold 3 icici cards, 1 citi and 1 SC Bank cards which applied directly through the Bank.
Somehow applying through the Bank got my application approved for my existing cards. What should I do, I need a better rewarding card now, like 1-2%
I was hoping for a credit card on UPI through the neu card. rolleyes
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Benevolent Benevolent
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5 cards are not enough, please take 2 more cards from each banks 😂

Deal Cadet Deal Cadet
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Five is nothing. I have 19 cards and always looking for more. Just started my CC journey in India about 2.5 years ago or else I would have many more.

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Deal Cadet Deal Cadet
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If you have a basic SC Card then try to upgrade it to "Smart" (2%) or Ultimate (3.33%)

Deal Cadet Deal Cadet
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I got a SCB titanium card for fuel benefits. Moreover, the ultimate card's annual fee is high. I can take a smart credit card, not sure if they would give one more as I already have one. Any other rupay on UPI rewards card?

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Benevolent Benevolent
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Bro , U Have An Icici Card, Did U Tried On Card To Card Basis For Amazon Pay Card ??

If U Have A Good Relation With Icici Savings Account... Bank Employees Can Apply An Amazon Card... 2 Years Ago My Friend Applied Through Branch And  Card Was Linked To Amazon App...

Deal Cadet Deal Cadet
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I applied from Amazon app because it was showing some additional benefits there(1500 welcome rewards +3 months prime membership free ), but now it's showing to wait for 180 days. Not sure if they can apply I'll try calling my RM.

Benevolent Benevolent
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Even Having 5 Cards Utilisation Ratio Will Also Be Considered !! R U Credit Card Rotator ??

Deal Cadet Deal Cadet
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Hearing this term for the first time. I had one from ICICI since 5 years but during lockdown after the existing card expiry date, they sent coral as delivery failed for the old one. I upgraded to rubyx. Now I'm stuck with RPs in one and emi in the other.

The PostMighty The PostMighty
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As far as i know

If you already have icici card , during application from amazon it do ask the details of the card and fetch details automatically, generate the new card without any issue.

Deal Cadet Deal Cadet
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That's the issue, it didn't ask for details of the existing card

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Benevolent Benevolent
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ICICI might have rejected as you already have 3 cards with them... sometimes they do 

Tata Rejected mostly because you have no relationship with HDFC.

Deal Cadet Deal Cadet
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Yes I'm going to close two card accounts and use only one. grimacing

But the tata one is strange, do they expect me to open a savings Bank HDFC account 🤦‍♂️

Helpful Helpful
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@imranmdji

if the verification is from Digilocker check your address on the bill that is generated on the cards that are applied from the bank and make sure it matches the same goes for all the other info phone number email id check for differences in any of your info 

if all your online applications are failing then there is a mismatch of your info in the aadhaar and the one that is with the bank change the info to the bank one so there is no mismatch

Deal Cadet Deal Cadet
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Never applied C2C. For all applications I entered my new temp address. And if there is mismatch with Aadhar details, but SCB approved with same Aadhar and same temp address. 🥲

Helpful Helpful
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You've mentioned scores of credit bureaus which no one cares about

Deal Cadet Deal Cadet
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795 just checked my CIBIL, any other score banks check?

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Savings Mentor Savings Mentor
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Which 3 ICICI CCs do you have btw? Coral Visa and which others?

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