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Unprofessional behaviour by kotak

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Chennai Super Kings
Tanmayyy

I had been recieving emails about kotak league platinum ltf pre approved credit card for months( have kotak 811 account with them). Tried applying for it but couldn’t since their app was glitching out.

Recieved call 2 days ago from kotak regarding the same offer , they took the request on call.

Yesterday recieved message of kotak application rejection and in email their reason is “evaluation of credit history not satisfactory”. After this email i checked my cibil report and they have done 2 enquiries on cibil.
Even after they rejected my application they’ve been sending me communications regarding ltf pre approved league platinum cc. Absolute stupid bank.

Does anyone know any nodal officer mail that i can escalate this to?.


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Deal Cadet Deal Cadet
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On a lighter note: Ashneer Grover banjaooo

On a serious note: yes reach out to nodal officer directly mentioning the screenshots. Like Dhani fixed this issue of hampering CIBIL, I’m sure kotak can fix it too

Deal Subedar Deal Subedar
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Very hard to get any credit card from them…. 


Have fd based credit card… Spent more than 2 lakh on it… Still didn’t received any offer for credit card…. 


Has done good amount of transactions on it… If I would have done same on hdfc.. Would have got sure pre approved card…. 


Only thing good is free account with no sms charges and virtual card… But now jupiter and fi are there… So no use of it…. Only good thing about them is they give equal offers mostly for both dc and cc…. 

Chennai Super Kings Chennai Super Kings
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jain01010199 wrote:

On a lighter note: Ashneer Grover banjaooo

On a serious note: yes reach out to nodal officer directly mentioning the screenshots. Like Dhani fixed this issue of hampering CIBIL, I’m sure kotak can fix it too

Want to do that but unable to find a way to contact nodal officer. Don’t even wanna waste time explaining issue to normal customer care.

Mobile Guru Mobile Guru
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Kotak’s definition for Pre-Approved cards is different from others. When i applied for this League Platinum LTF, it took them about a week to approve the card (So, no instant approval like other banks). 

And i got an sms/email from kotak that CC is approved three days post VCC appeared on the mobile app 😄

Deal Cadet Deal Cadet
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Tanmayyy wrote:

Want to do that but unable to find a way to contact nodal officer. Don’t even wanna waste time explaining issue to normal customer care.

Dont waste your time by complaining to their nodal officers.

file a complaint to RBI banking ombudsman..



Super Stud Super Stud
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Kotak always does two Cibil hits.
btw, why did you even bother getting that card?

barely any worthy offers are there and everyone aggress Kotak cards are useless 😅

Chennai Super Kings Chennai Super Kings
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getready wrote:

Kotak’s definition for Pre-Approved cards is different from others. When i applied for this League Platinum LTF, it took them about a week to approve the card (So, no instant approval like other banks). 

And i got an sms/email from kotak that CC is approved three days post VCC appeared on the mobile app 😄

It’s a weird bank , their explanation for rejection is so stupid. If you have already rejected my application then stop calling and emailing me about the card again, this bank is definitely high on something.

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Tekk wrote:

Dont waste your time by complaining to their nodal officers.

file a complaint to RBI banking ombudsman..



+1

@Tanmayyy have seen couple on experience from dimers in recent times, even rejected applications getting approved. Mainly check the BoB LTF thread.

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xxxyyyzzz wrote:

Kotak always does two Cibil hits.
btw, why did you even bother getting that card?

barely any worthy offers are there and everyone aggress Kotak cards are useless 😅

Only wanted for e-commerce offers and since it was ltf didn’t mind adding it to my purse. Had no idea they would hit the cibil twice even for pre approved offer.

Chennai Super Kings Chennai Super Kings
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Dont Apply Kotak Card Through Agents They Will Definitely Do Cibil Hit And Paid Card. 

In Kotak App Go To CC Section – U Can Check There For LTF Offer ( Joining And Annual Fee Shows As Zero

In Ur Case Wait For PreApproved Card In APP 

For PreApproved Kotak Cards – NO CIBIL Will Hit

In My Case – I Applied For Kotak League LTF Approved On Next Day

Delivered In 2 Days 


That’s A Fast Process 😅

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Scorpion wrote:

+1

@Tanmayyy have seen couple on experience from dimers in recent times, even rejected applications getting approved. Mainly check the BoB LTF thread.

Would ombudsman be of any help even though i have not complained about this to the bank’s customer care?
Cc: @Tekk

Chennai Super Kings Chennai Super Kings
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PowerStar wrote:

Dont Apply Kotak Card Through Agents They Will Definitely Do Cibil Hit And Paid Card. 

In Kotak App Go To CC Section – U Can Check There For LTF Offer ( Joining And Annual Fee Shows As Zero

In Ur Case Wait For PreApproved Card In APP 

For PreApproved Kotak Cards – NO CIBIL Will Hit

In My Case – I Applied For Kotak League LTF Approved On Next Day

Delivered In 2 Days 


That’s A Fast Process 😅

Their app and netbanking never worked for me , their credit card section doesn’t open for me.

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Tanmayyy wrote:

Would ombudsman be of any help even though i have not complained about this to the bank’s customer care?
Cc: @Tekk

Just Ignore 

It Won’t Happen 

U Have To Follow Up This Issue By Months And Months

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Tanmayyy wrote:

Would ombudsman be of any help even though i have not complained about this to the bank’s customer care?
Cc: @Tekk

Just Ignore 

It Won’t Happen 

U Have To Follow Up This Issue By Months And Months

Chennai Super Kings Chennai Super Kings
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Tanmayyy wrote:

Their app and netbanking never worked for me , their credit card section doesn’t open for me.

After 1-2 Months U Will Get The Option 

Gujarat Titans Gujarat Titans
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I think you need to approach banking ombudsman with all the proofs of prior communication with the bank at all levels from CC to principal nodal officer. Then only you can approach banking ombudsman. It is mentioned on RBI website.

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romilq239 wrote:

I think you need to approach banking ombudsman with all the proofs of prior communication with the bank at all levels from CC to principal nodal officer. Then only you can approach banking ombudsman. It is mentioned on RBI website.

@Tanmayyy

Cool Cool
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Tanmayyy wrote:

Their app and netbanking never worked for me , their credit card section doesn’t open for me.

Are you sure that offers were directly from.kotak and not from 3rd party agents.

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SnippierJoker wrote:

Are you sure that offers were directly from.kotak and not from 3rd party agents.

Emails WhatsApp messages and sms were all kotak’s official communication. Even recieved push notification in kotak app itself.

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Tanmayyy wrote:

Emails WhatsApp messages and sms were all kotak’s official communication. Even recieved push notification in kotak app itself.

Yes That’s Fine 

But U Applied From Kotak Agent Using Their Code 

Thats The Problem 

U Gave Ur Consent To Apply On Behalf Of Agent! 

I Also Did The Same Mistake, After Seeing The Annual Fees On The Consent Page I Refused To Give OTP And Closed The Page. 

After 2-3 Days I Applied MySelf On App And Approved

Cool Cool
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Tanmayyy wrote:

Emails WhatsApp messages and sms were all kotak’s official communication. Even recieved push notification in kotak app itself.

Was was rejected 1st time by kotak 3-4 years back, and then they sent me card directly after 3 months.. smile  they are a weird bank…

Mobile Guru Mobile Guru
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Tanmayyy wrote:

It’s a weird bank , their explanation for rejection is so stupid. If you have already rejected my application then stop calling and emailing me about the card again, this bank is definitely high on something.

You should be glad that they rejected this paid card 😄
Like @PowerStar mentioned, its not LTF unless you apply via their App/NetBanking with Annual/Joining Fees mentioned as Zero

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getready wrote:

You should be glad that they rejected this paid card 😄
Like @PowerStar mentioned, its not LTF unless you apply via their App/NetBanking with Annual/Joining Fees mentioned as Zero

Exactly

Good Thing Happened To Him 😀

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SnippierJoker wrote:

Was was rejected 1st time by kotak 3-4 years back, and then they sent me card directly after 3 months.. smile  they are a weird bank…

Even They Will Cancel The Approved Cards Tooo 

Just Kotak Things 😅

Deal Cadet Deal Cadet
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Strange coincidence.
Yesterday, seen pre-approved royale signature card in account but annual fees was 999₹ so haven’t applied.
Called customer care and asked for any ltf card. They said it’s automatic and if any ltf cards you can see in app.

Today afternoon got a call from kotak customer care about same card stating it’s ltf, I asked for a mail they dropped it.
Then I applied through the call itself just by confirming address.
Let’s see, will update once card is delivered

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getready wrote:

You should be glad that they rejected this paid card 😄
Like @PowerStar mentioned, its not LTF unless you apply via their App/NetBanking with Annual/Joining Fees mentioned as Zero

It was mentioned as zero fees when i checked through the link they sent me while they were taking my consent on call

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Tanmayyy wrote:

It was mentioned as zero fees when i checked through the link they sent me while they were taking my consent on call

Zero Fees On Joining

What Abt Zero Fees On Annual Fees? 

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PowerStar wrote:

Zero Fees On Joining

What Abt Zero Fees On Annual Fees? 

It showed zero joining and zero annual

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