Pre approved Axis credit card, declined
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I applied for Axis Myzone credit card through RM which was pre approved. It got declined.Â
When checked with RM, he never bothered to reply.
Is there any way to get the card?Â
Also, how much time needed to reapply.
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Thanks for response. KG+
BTW, Any bad experience with Axis cards?
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
Axis is chu### even after giving salary proof rejected
so i requested them for a limit incease also attached 3 months pay slip along with 3 months bank credit statement
their responce :Â 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
RM insisted to go for credit card as it's LTF, during Loan/Insurance sales call.Â
What was the duration you applied after rejections?
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 themÂ
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.👿
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 😞
Paisa bolta hai
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)