Not able to apply FK axis card

Not able to apply FK axis card

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JOKER321 wrote:

U can try locally that’s better on card to card basis that gets approved easily give the statement which has highest limit go to Nearest axis bank and enquire

I did just 2 days ago as you said. I got declined again. It’s very interesting pattern I see here.

I applied last time online in October 2019 , got doc guy at home, got my ITR (10L+) , etc docs, and went his way. I got message for applying the card in 2 days and then on 3rd day I got 3 calls from Axis (some weird number) but there was no sound coming on the phone every time. I complained to axis twitter but no one called me again for verification. Anyways, shit went on for 1.5 months and after 50 days I was notified I was declined with no reason given in mid November.

Now generally it’s best to apply after 6 months for any CC, but I still went to the branch as you said, asked for CC guy, they sent a guy at home, sales guy said 6 months thing should be no issue, and this time it was card to card basis. I gave them my SBI card with limit 2.5L last 2 statements (hardly used the card probably 2k total transactions on each month cycle) with picture, sign, and address rent agreement proof etc. Got a message yesterday thanks for applying and CIBIL was checked for 10K by Axis yesterday and today again massage came saying I am declined and interestingly enough I didn;t got any verification call this time compared to 3 verification calls last time with no voice from their end. I asked the sales guy why I am declined and he is saying he will let me know in a hour. My SBI card is 13 months old (got it in FEB 2019 and 1st statement generated was in Mar 2019) but I checked CIBIL portal and it shows card was approved in APR 2019, so my guess it may be that’s why they declined or may be the 6 months thingy. Still not sure wtf is going on. I have AMEX charge card(3 months old), also amex, MRCC card(2yrs+old), SBI card, ICICI APay card, kotak signature royale card, PayTM citibank card and ICICI HPCL Coral card. still I am being denied, DAMN!

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sobirvs wrote:

I did just 2 days ago as you said. I got declined again. It’s very interesting pattern I see here.

I applied last time online in October 2019 , got doc guy at home, got my ITR (10L+) , etc docs, and went his way. I got message for applying the card in 2 days and then on 3rd day I got 3 calls from Axis (some weird number) but there was no sound coming on the phone every time. I complained to axis twitter but no one called me again for verification. Anyways, shit went on for 1.5 months and after 50 days I was notified I was declined with no reason given in mid November.

Now generally it’s best to apply after 6 months for any CC, but I still went to the branch as you said, asked for CC guy, they sent a guy at home, sales guy said 6 months thing should be no issue, and this time it was card to card basis. I gave them my SBI card with limit 2.5L last 2 statements (hardly used the card probably 2k total transactions on each month cycle) with picture, sign, and address rent agreement proof etc. Got a message yesterday thanks for applying and CIBIL was checked for 10K by Axis yesterday and today again massage came saying I am declined and interestingly enough I didn;t got any verification call this time compared to 3 verification calls last time with no voice from their end. I asked the sales guy why I am declined and he is saying he will let me know in a hour. My SBI card is 13 months old (got it in FEB 2019 and 1st statement generated was in Mar 2019) but I checked CIBIL portal and it shows card was approved in APR 2019, so my guess it may be that’s why they declined or may be the 6 months thingy. Still not sure wtf is going on. I have AMEX charge card(3 months old), also amex, MRCC card(2yrs+old), SBI card, ICICI APay card, kotak signature royale card, PayTM citibank card and ICICI HPCL Coral card. still I am being denied, DAMN!

I understand your frustration  it happens I dint get any call too but it got approved. Wait for 6-7 months and try maybe u l get I applied through hdfc card which is 2 years old . Apply with the card which is oldest and has limit more than 50k but apply through oldest card

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JOKER321 wrote:

I understand your frustration  it happens I dint get any call too but it got approved. Wait for 6-7 months and try maybe u l get I applied through hdfc card which is 2 years old . Apply with the card which is oldest and has limit more than 50k but apply through oldest card

I just told my closest friend to apply for it through his HSBC card.

I have many old cards but I rarely use them. I use Amex charge card, and Apay card the most but both are under 1 yr old.. Oldest is ICICI HPCL card which I haven’t used at all frm last 4 months.

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JOKER321 wrote:

I understand your frustration  it happens I dint get any call too but it got approved. Wait for 6-7 months and try maybe u l get I applied through hdfc card which is 2 years old . Apply with the card which is oldest and has limit more than 50k but apply through oldest card

Got call from the axis sales, says the reason is applying within 6 months so denied. Not sure if he is telling the truth but that’s what he is saying. I asked him you told me this 6 month bullshit won’t happen, and he said sorry sir lol. Anyways, asked him to send this proof of 6 month that he is seeing in his system to my whatsapp. Let’s see.

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