Pre approved Axis credit card, declined

Write to nodal officer asking the reason of decline even after the card was pre approved.

According to new rbi guidelines banks are required to disclose exact reason of cc declination.

If you don't get proper response opt for rbi ombudsman.

Side note- dont go for axis cards. (Or any axis product)

ZNZ wrote:

Write to nodal officer asking the reason of decline even after the card was pre approved.

According to new rbi guidelines banks are required to disclose exact reason of cc declination.

If you don't get proper response opt for rbi ombudsman.

Side note- dont go for axis cards. (Or any axis product)

Thanks for response. KG+

BTW, Any bad experience with Axis cards?

As @ZNZ mentioned as per the new guidelines reason for rejection has to be mentioned. Write to the concerned authorities and know the reason. My axis cc always gets rejected, last time I applied for it in the end of February, as always it got rejected and the reason they mentioned was due to internal policy. I haven't applied again since then and I won't be in near future.

Axis is chu### even after giving salary proof rejected

10ven wrote:
As @ZNZ mentioned as per the new guidelines reason for rejection has to be mentioned. Write to the concerned authorities and know the reason. My axis cc always gets rejected, last time I applied for it in the end of February, as always it got rejected and the reason they mentioned was due to internal policy. I haven't applied again since then and I won't be in near future.

Why RBI says guidelines instead of Rules
for customer there are no guidelines only rules which result in penalties if violated
Axis worst bank with best credit cards at present
I have had many many bad experiences; recent one being I did not rcv May'22 statement for Ace card, only kind of txt stmt is available to download; tried with RM/Care..finally left it;
Online care always told me to wait for few more days it will arrive in email and finally even Jun stmt generated, now these idiots simply send me June stmt and close complaint
RM says call customer care

Why did u apply for a pre approved card through your RM? Pre approved offers show up in axis mobile app itself.

Tanmayyy wrote:
Why did u apply for a pre approved card through your RM? Pre approved offers show up in axis mobile app itself.

RM insisted to go for credit card as it's LTF, during Loan/Insurance sales call. 

coolbuddy wrote:

RM insisted to go for credit card as it's LTF, during Loan/Insurance sales call. 

Then he probably just lied to you about it being pre approved.

Tanmayyy wrote:
Then he probably just lied to you about it being pre approved.

Exactly

Tanmayyy wrote:
Then he probably just lied to you about it being pre approved.

May be, but I remember sometime back even customer care had mentioned about LTF card in one call. Hence went ahead with RM's words.

pranavcool wrote:

Axis is chu### even after giving salary proof rejected

their back end team is mental like literally mindless monkeys typing responces

so i requested them for a limit incease also attached 3 months pay slip along with 3 months bank credit statement

their responce :  your new employee address is not updated in our system, so please call axis CS and update your office address. then i did it immediatly

after 2 weeks i again raised the request and then again same responce, asked to update office address. i said i already call did that then asked me to send me call recording but i was unable to attach a 18MB file to the email as their internal system wont accept large file. mention same in that email but never got a responce back

i rasied it to nodal officer then he again forwarded it to CC and they again mailed the same shit for 10th time. i finally gave up

good god. this is the reason axis will never beat HDFC bank

@coolbuddy even i have been rejected twice by axis for a pre approved card. They even showed me proof of pre approved still same. I hv applied 4 times. Got rejected. Took FD card for now. Will see how it goes and later get unsecured card. customer care is poor and axis bank notorious for rejecting cards. However, they give maximum offers and rewards in the market hence ppl love axis cards

pranavcool wrote:

Axis is chu### even after giving salary proof rejected

Axis is known to reject many applications and give low credit limits. But they have the best cards too.

At least this means opening an account and giving them your money is extremely safe cause they don't give loans to anybody.

Drag them to RBI.
PS - Vo bulati hai lekin Axis k pass janeka nai
@drupal 

Pre-approved doesn't mean you will get it for sure. Wherever I have seen pre-approved written it's also written that the final decision of issuing the credit card lies with the bank as per their internal policy.

Pre-approved just means it's pre approved by their algorithm based on your relationship with them 

arpit.ak.kumar534 wrote:

Axis is known to reject many applications and give low credit limits. But they have the best cards too.

At least this means opening an account and giving them your money is extremely safe cause they don't give loans to anybody.

nirav modi is like am i joke to you

kkrulesdnation wrote:
@coolbuddy even i have been rejected twice by axis for a pre approved card. They even showed me proof of pre approved still same. I hv applied 4 times. Got rejected. Took FD card for now. Will see how it goes and later get unsecured card. customer care is poor and axis bank notorious for rejecting cards. However, they give maximum offers and rewards in the market hence ppl love axis cards

What was the duration you applied after rejections?

After contacting CC(after 4 calls, really pathetic cc), I got a mail with below reason for decline:

"Documents provided by you are insufficient/inadequate and does not meet the Bank's credit norms"

They never asked me any documents though 😅.

They are going to spoil Citi's customer reputation.👿

coolbuddy wrote:

What was the duration you applied after rejections?

I hv active liberty axis account


I applied offline last November
Executive came with tab
Normal application
Rejected sms came within. 2 days
They applied another card few days after that, same instant rejection.
Reason was some score issue, but score was 770+

Then in March
Pre approved card offer came LTF that too rejected in 2 days
Got call from branch for that, person came with tab for processing
Then I applied online thru netbanking after few days, same rejection.

Recently I applied Airtel card thru app
Tab process happened then again rejected

Finally took fd card
After 7-8 axis enquiries in a year

There is something wrong with axis. I have applied two times and both times it is approved. Both times got same message your application is approved, welcome to axis card. Also checked limit both times on their portal. It was approved with 90000 first time and on 2nd time 75000. But they never sent the card. When I ask to nodal, they say ur application is rejected. I have one add on card with my father credit card, is there any connection with it?

arpit.ak.kumar534 wrote:

Axis is known to reject many applications and give low credit limits. But they have the best cards too.

At least this means opening an account and giving them your money is extremely safe cause they don't give loans to anybody.

These are retail loans it doesn't affect a bank's collapse banks simply sell unpaid loans to collection agencies to get their money. It's the capital loans given to enterprises to get the bank in trouble

timelord wrote:

These are retail loans it doesn't affect a bank's collapse banks simply sell unpaid loans to collection agencies to get their money. It's the capital loans given to enterprises to get the bank in trouble

I am assuming their capital loan risk assessment would be very thorough too since they don't issue Credit Cards with good limit to everyone?

arpit.ak.kumar534 wrote:

I am assuming their capital loan risk assessment would be very thorough too since they don't issue Credit Cards with good limit to everyone?

Not thorough some people don't get credit from them because they applied without any existing relationship with the bank or jumped on the 1st pre-approved offer they got best way is to wait till pester u with many calls after that they will slowly increase the limit of your pre-approved offer after u take the 1st card use it for 1 year with timely payments you'll eligible for 2nd pre-approved card this time you can even apply for their high end cards like reserve and magnus and easily approved with sufficient limit

Demondealer wrote:
their back end team is mental like literally mindless monkeys typing responces

so i requested them for a limit incease also attached 3 months pay slip along with 3 months bank credit statement

their responce :  your new employee address is not updated in our system, so please call axis CS and update your office address. then i did it immediatly

after 2 weeks i again raised the request and then again same responce, asked to update office address. i said i already call did that then asked me to send me call recording but i was unable to attach a 18MB file to the email as their internal system wont accept large file. mention same in that email but never got a responce back

i rasied it to nodal officer then he again forwarded it to CC and they again mailed the same shit for 10th time. i finally gave up

good god. this is the reason axis will never beat HDFC bank

This is good one. Same happened with me. I went little bit far. I wrote to Nodal officer and got the same reply to update work address. I dropped email to 1st level support to update address. They asked me to call on their support contact number yo update it. I called them and dictated the address. After 15 days i reached out to Nodal officer they again replied same to update work address. Again I called 1st level support and asked them to update address.it happened 3 times but surprisingly there were no service request generated and i raised it to PNO. PNO forwarded the case to the Branch I went to branch and branch people said that they only have option to update current as well as permanent address after lot of argument they showed me the screen also. At last one of the Employee suggested me a trick to update work address current address via axis app. I did that and again wrote mail to Nodal officer and you know what same story started again

arpit.ak.kumar534 wrote:

I am assuming their capital loan risk assessment would be very thorough too since they don't issue Credit Cards with good limit to everyone?

Guess you don't know that here members having defaulter status reported in cibil & ppl having 680 cibil score got their axis card approved.

@timelord

@kannu.rider304 @kkrulesdnation

@navkr

guest_999 wrote:

Guess you don't know that here members having defaulter status reported in cibil & ppl having 680 cibil score got their axis card approved.

@timelord

@kannu.rider304 @kkrulesdnation

@navkr

Agree
Axis is weird
Issues cards to low cibil also

I've savings account and CC with Citi. There's a huge difference in quality of service between these two banks. Why the hell did Citi exit Indian market 😞

thegaurav wrote:

I've savings account and CC with Citi. There's a huge difference in quality of service between these two banks. Why the hell did Citi exit Indian market 😞

Nope, the right question to ask is "Why the hell Citi chose Axis to take over it's existing customers, even to go with a little less money with other better banks?"😄

Paisa bolta hai

Axis rejected my FK and myzone card hit cibil score, two time, recently they approved fk with 15k limit. if it was declined, would never had plan to apply axis cards. they reject without any reason.