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

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Post Emperor
dark.demon
Hi All,

As mentioned in previous post , I was abble to apply for IDFC Select Credit Card,But now after applying Igot Application rejected mail.

Is there anyone Else who faced Some issue. ?
In sms It's written due to Bank's Internal policies.

SMH

Screenshot_20210323-152239_Gmail

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Benevolent Benevolent
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Elaborate your relationship with IDFC and your cibil score too.

Post Emperor Post Emperor
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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.

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Community Angel Community Angel
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Idfc is waste of time
Post Emperor Post Emperor
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Now I agree, why to give limit and Card Variant if all in the end is have to reject only

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Community Angel Community Angel
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Credit card cannot be issued due to internal policy, pin code not serviceable and blah blah nlah
Deal Cadet Deal Cadet
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Yaar these cc companies have weird internal policies, so much nakhre’s. It’s more harder to get a cc nowadays than a girlfriend grin sweat_smile

Benevolent Benevolent
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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

Pro Shopping Friend Pro Shopping Friend
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@guest_999

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

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

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

Post Emperor Post Emperor
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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 .

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Deal Cadet Deal Cadet
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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

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

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

Deal Subedar Deal Subedar
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pre approved

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Deal Cadet Deal Cadet
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i have received an email for first select card, and got credit limit around 5 lakhs. At least for me application process is smooth and no cibil hard enquiry .

Cool Cool
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when u opened idfc account?

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Post Emperor Post Emperor
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Finally they gave the reason.. 


We regret to inform you that, your Credit card application has been rejected as your location in under non serviceable area.

Screenshot_2021-04-19-19-14-50-50_2

Benevolent Benevolent
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Did you manage to get cc on your pincode or its still not serviceable ?
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Savings Mentor Savings Mentor
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Yes Bank did similar thing to me. Called saying pre-approved and then rejected. Should I pursue with them too?

I am 100% sure my location is serviceable and cibil is 764.




Helpful Helpful
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Same happened with me Also Bro 🥺

Showing HDFC Pre-Approved credit card with limit 1.63L & without any documentation but They rejected my application... even I have HDFC Bank account & other Bank CC & CIBIL 753+ 

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