Need Advice related to IDFC Savings A/c and WOW Credit Card

[lovepreet]

I have IDFC 10k saving account and Wow Credit Card with 1L limit (1L FD), both from Aug 2023. Maintained AMB around 50-60k for around 6-7 months (even more during some period) with regular debit card transactions. Also spent around 1.5L on Wow Card in this period and every payment was before due date. Still till April 2024, no unsecured card is being offered from IDFC bank, No LE offer. Got RBL Credit Card on 11th April without any income proof(I don't have any), instant approved with 90k limit (CIBIL - 755). Need advice regarding:
1. Should I close WOW Card, then maybe i can get unsecured card form IDFC( Still Maintaining 20-25k AMB and i have regular Debit Card transactions)
2. Or I should go for another bank for saving account if maintaining 20-25k AMB offers good credit card( No issues regarding changing Banks).

 

[maheshspanicker]

Have you tried directly applying for an IDFC credit card? Just try that path and see, they used to provide cards without too much drama, through the income status could be an issue.

 

[Ak Singh]

Have you tried directly applying for an IDFC credit card? Just try that path and see, they used to provide cards without too much drama, through the income status could be an issue.

They will reject, same case with me.
I have used my idfc first account as primary from last 1.5 years. Almost 20 lakhs transaction in savings account.
Also have idfc wow credit card.
No pre approved offers for unsecured cc.
Useless service and fraud bank.
I applied cc manually two times after home verification they rejected my credit card application twice.
Now thinking to close this scrap bank.

 

[varun__goel_]

I have IDFC 10k saving account and Wow Credit Card with 1L limit (1L FD), both from Aug 2023. Maintained AMB around 50-60k for around 6-7 months (even more during some period) with regular debit card transactions. Also spent around 1.5L on Wow Card in this period and every payment was before due date. Still till April 2024, no unsecured card is being offered from IDFC bank, No LE offer. Got RBL Credit Card on 11th April without any income proof(I don't have any), instant approved with 90k limit (CIBIL - 755). Need advice regarding:
1. Should I close WOW Card, then maybe i can get unsecured card form IDFC( Still Maintaining 20-25k AMB and i have regular Debit Card transactions)
2. Or I should go for another bank for saving account if maintaining 20-25k AMB offers good credit card( No issues regarding changing Banks).

Bcoz of WoW card, other cards will be rejected.

Open account in HDFC.
Go for Savings Max account 25k mab. They generally offer card within 6 months

 

[VasukiVasuki is verified member.]

I have IDFC 10k saving account and Wow Credit Card with 1L limit (1L FD), both from Aug 2023. Maintained AMB around 50-60k for around 6-7 months (even more during some period) with regular debit card transactions. Also spent around 1.5L on Wow Card in this period and every payment was before due date. Still till April 2024, no unsecured card is being offered from IDFC bank, No LE offer. Got RBL Credit Card on 11th April without any income proof(I don't have any), instant approved with 90k limit (CIBIL - 755). Need advice regarding:
1. Should I close WOW Card, then maybe i can get unsecured card form IDFC( Still Maintaining 20-25k AMB and i have regular Debit Card transactions)
2. Or I should go for another bank for saving account if maintaining 20-25k AMB offers good credit card( No issues regarding changing Banks).

See your objective is complete with 1 lakh fd
Now close wow card apply idfc card next day

2 - apply kotak ,sbi ..
They will give u same limit card

Just keep in mind service area for kotak ,& idfc

 

[Ak Singh]

See your objective is complete with 1 lakh fd
Now close wow card apply idfc card next day

2 - apply kotak ,sbi ..
They will give u same limit card

Just keep in mind service area for kotak ,& idfc

What is the cooling period after rejection of cc application in idfc?
My cc application rejected almost 3 months ago and today I closed my idfc wow credit card.

 

[VasukiVasuki is verified member.]

What is the cooling period after rejection of cc application in idfc?
My cc application rejected almost 3 months ago and today I closed my idfc wow credit card.

0 minutes
Apply from another number
For same number call customer care to delete the application lead then 10-15 day max

 

[Ak Singh]

0 minutes
Apply from another number
For same number call customer care to delete the application lead then 10-15 day max

Previously I had applied through different number.😆
Now when I applying from same number linked to bank application is processing without showing error.
But I stopped and didn't proceed further.
Because still they can decline my card.

If I apply again will they do verification like home or office?

 

[VasukiVasuki is verified member.]

Previously I had applied through different number.😆
Now when I applying from same number linked to bank application is processing without showing error.
But I stopped and didn't proceed further.
Because still they can decline my card.

If I apply again will they do verification like home or office?

Yes for verification if address isn't in aadhar or cibil

 

[VasukiVasuki is verified member.]

Previously I had applied through different number.😆
Now when I applying from same number linked to bank application is processing without showing error.
But I stopped and didn't proceed further.
Because still they can decline my card.

If I apply again will they do verification like home or office?

Just tell them to delete the application lead tomorrow on call

 

[Ak Singh]

Yes for verification if address isn't in aadhar or cibil

I have same address in aadhar and cibil also. But problem with office verification. I don't mine if they do home verification.

 

[VasukiVasuki is verified member.]

I have same address in aadhar and cibil also. But problem with office verification. I don't mine if they do home verification.

If in same city

Ask them for home verification .
They won't do office verification unless it's wealth or select card

 

[Ak Singh]

If in same city

Ask them for home verification .
They won't do office verification unless it's wealth or select card

But Many people got select and wealth also without home and office verification.
Agar same city me nhi hua office and home toh verification hoga?

Like city New Delhi and work in Haryana?

 

[Kumar93196]

But Many people got select and wealth also without home and office verification.
Agar same city me nhi hua office and home toh verification hoga?

Like city New Delhi and work in Haryana?

Both pincodes are needed to be serviceable.
Agr ek bhi pincode idfc ki pincode list Mai nahi hoga toh approval ke baad b card nhi bnega kuki.
Approval ke wakt bank bs residence address leta hai and approval ke baad office pincode leta hai agr office pincode not oky hai toh nhi bnega card no matter what you do or how eligible you are.

If you don't mind share your both residential and office pincode I will check and let you know

 

[Ak Singh]

Both pincodes are needed to be serviceable.
Agr ek bhi pincode idfc ki pincode list Mai nahi hoga toh approval ke baad b card nhi bnega kuki.
Approval ke wakt bank bs residence address leta hai and approval ke baad office pincode leta hai agr office pincode not oky hai toh nhi bnega card no matter what you do or how eligible you are.

If you don't mind share your both residential and office pincode I will check and let you know

110048 and 122003

 

[Kumar93196]

110048 and 122003

Both are Serviceable.
And ye mandatory nahi hai ki without verification idfc sbko card de most of the time they do verify both the addresses. For easier verification office and residence address dono mai landmark mandatory hota hai.

 

[Aniket]

Both are Serviceable.
And ye mandatory nahi hai ki without verification idfc sbko card de most of the time they do verify both the addresses. For easier verification office and residence address dono mai landmark mandatory hota hai.

Aap DSA ho na, also work for IDFC and others?😅
If I remember well.

 

[Ak Singh]

Both are Serviceable.
And ye mandatory nahi hai ki without verification idfc sbko card de most of the time they do verify both the addresses. For easier verification office and residence address dono mai landmark mandatory hota hai.

What if someone is self employed and enter same address in both?
Will they reject?

 

[Kumar93196]

What if someone is self employed and enter same address in both?
Will they reject?

Yes for self-employed banner of the shop/office/company is must and need to have 1/2 working peoples...

 

[Kumar93196]

Aap DSA ho na, also work for IDFC and others?😅
If I remember well.

Hmm Correct I do deal in almost every bank cc's