IDFC rejected the pre approved (seemed before) credit card application.

Elaborate your relationship with IDFC and your cibil score too.

Idfc is waste of time

MrKool_JJ wrote:

Elaborate your relationship with IDFC and your cibil score too.

I have ~ 3-4month Saving Account with MAB >2 LaC Since account opening (for Jan Feb mab ~11 lac)

CIBIL > 750

It might Be Pincode Issue.

Credit card cannot be issued due to internal policy, pin code not serviceable and blah blah nlah

drupal wrote:

Idfc is waste of time

Now I agree, why to give limit and Card Variant if all in the end is have to reject only

dark.demon wrote:

I have ~ 3-4month Saving Account with MAB >2 LaC Since account opening (for Jan Feb mab ~11 lac)

CIBIL > 750

It might Be Pincode Issue.

This is strange

Yaar these cc companies have weird internal policies, so much nakhre’s. It’s more harder to get a cc nowadays than a girlfriend

@guest_999

pincode is the culprit…you should wait some more months as they are expanding it slowly..

Some sort of system error/mistake on idfc part, let’s wait a few days before reaching the conclusion.

xera0117 wrote:

Yaar these cc companies have weird internal policies, so much nakhre’s. It’s more harder to get a cc nowadays than a girlfriend

Its unsecured loan, so they have to be careful!
Its a bug(using link directly) I guess which led to issuing card and later rejection

dark.demon wrote:

I have ~ 3-4month Saving Account with MAB >2 LaC Since account opening (for Jan Feb mab ~11 lac)

CIBIL > 750

It might Be Pincode Issue.

You should mail their CEO. I wasn't getting any offers despite being an old customer and maintaining mab of above 800, I mailed them and had recvd a call stating that my profile shows a delinquent status (without them doing a hard enquiry), I mailed them my Cibil report and waiting for them to respond

ashmail123957 wrote:

You should mail their CEO. I wasn’t getting any offers despite being an old customer and maintaining mab of above 800, I mailed them and had recvd a call stating that my profile shows a delinquent status (without them doing a hard enquiry), I mailed them my Cibil report and waiting for them to respond

I am not going to do that, I only applied because they were showing limit intrest rate and for all other it was like pre approved card,
If they give it without effort I will take but I am not so desperate for these cards as of now.. my target is getting SBI or HDFC better variant card.

Serviceability issue
Same was the case w/ Onecard by IDFC First.. Cards were approved based on where you live!

MrKool_JJ wrote:

Elaborate your relationship with IDFC and your cibil score too.

CIBIL is irrelevant in this case.

1st thing bank check is their relationship with the customer ,geographic presence and other stuffs related to customer(Internal Policy)….if rejected due to this 99% of the times they wont even check CIBIL/Credit score

ashmail123957 wrote:

You should mail their CEO. I wasn’t getting any offers despite being an old customer and maintaining mab of above 800, I mailed them and had recvd a call stating that my profile shows a delinquent status (without them doing a hard enquiry), I mailed them my Cibil report and waiting for them to respond

You should mail their CEO. iski mail id kya ha?

kukdookoo wrote:

You should mail their CEO. iski mail id kya ha?

Its [email protected]

getready wrote:

Serviceability issue
Same was the case w/ Onecard by IDFC First.. Cards were approved based on where you live!

In that case they already have my pincode, and in my city they even have their branch too.
And also why they showed eligible then .

I know i have pincode issue but same was with icici but once they gave pre approved offer they delivered the card .

dark.demon wrote:

In that case they already have my pincode, and in my city they even have their branch too.
And also why they showed eligible then .

I know i have pincode issue but same was with icici but once they gave pre approved offer they delivered the card .

w/ ICICI (APay Card?), you got the card because there’s no further need for KYC/Physical verification

getready wrote:

w/ ICICI (APay Card?), you got the card because there’s no further need for KYC/Physical verification

Icici rubyx card. Earlier while applying icici cc used to tell sir your city pincode can’t be selected

dark.demon wrote:

In that case they already have my pincode, and in my city they even have their branch too.
And also why they showed eligible then .

I know i have pincode issue but same was with icici but once they gave pre approved offer they delivered the card .

Pursue this strongly with bank, chances they might issue card. Else wait

Same thing happened with me, holding savings account since last 1.5 year, maintaining monthly balance of more than 1 lkh, got pre-approved credit card offer 3 days back, but it is rejected, also my cibil is 778, don’t know what happened.. even my pincode is serviceable

Also having idfc easyemi card with balance of 98000 and one card powered by them

It is time to ditch idfc faaltu bank with worst infrastructure even axis never rejects pre-approved offer and generates credit card instantly

chiranjib9292 wrote:

Same thing happened with me, holding savings account since last 1.5 year, maintaining monthly balance of more than 1 lkh, got pre-approved credit card offer 3 days back, but it is rejected, also my cibil is 778, don’t know what happened.. even my pincode is serviceable

Also having idfc easyemi card with balance of 98000 and one card powered by them

I strongly suggest you to enquire I detail..why to give bogus offer if not going to honour it

dark.demon wrote:

I strongly suggest you to enquire I detail..why to give bogus offer if not going to honour it

Where to enquire and how?

chiranjib9292 wrote:
Where to enquire and how?

[email protected]  mail them demanding exact reason.
Plus trail them on Twitter too

dark.demon wrote:

[email protected]…om  mail them demanding exact reason.
Plus trail them on Twitter too

.

I got this SMS from IDFC. any idea what does this means: pre-approved OR normal sms ?

SMS: “Your spends should not come with a limit. Enjoy a high credit limit of Rs.XXX with life time free IDFC FIRST Bank Wealth Credit Card”

note: limit was ‘XXX’ only in the sms, i did not masked.

akki.akki wrote:

i got  this sms from IDFC any idea what does this means: pre-approved OR normal sms ?

Your spends should not come with a limit. Enjoy a high credit limit of Rs.XXX with life time free IDFC FIRST Bank Wealth Credit Card

pre approved