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Axis Bank Misleading Pr-Approved Offers & Harassment

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Ayan37

Ayan37

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Axis Bank repeatedly called, claiming I was per-approved for a Rs. 5 lakh credit card, citing my "good credit standing." Despite initial refusals, I applied 2-3 time and was rejected multiple times over 12 months. Axis Bank provided no explanation. This is misleading and harassing. I demand an investigation, explanation, and compensation for wasted time and harassment.

so this situation how can i deal this issue. please some advice for me. i also try to reach axis pno but no appropriate reply.
 
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are we sure the call was from axis or any agent, if sure please try to send an email to pno citing for rejection reason and one more thing you applied cards from pre approved section? or manually raised
 
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Ayan37 said:
Axis Bank repeatedly called, claiming I was per-approved for a Rs. 5 lakh credit card, citing my "good credit standing." Despite initial refusals, I applied 2-3 time and was rejected multiple times over 12 months. Axis Bank provided no explanation. This is misleading and harassing. I demand an investigation, explanation, and compensation for wasted time and harassment.

so this situation how can i deal this issue. please some advice for me. i also try to reach axis pno but no appropriate reply.
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You must have applied with 3rd party not axis pre approved
How did you even though axis giving pre approved card without having any relationship with them
Bank account is must for getting pre approved card or even some loan account
Which means u have customer I'd generated in their system

Coming to rejection, then it depends on your profile & axis is notorious in rejecting
Which card u applied, job profile etc all factors included
 
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It was most likely a call from a third party agent. First, banks usually do not call to inform you about your credit card eligibility. Second, they would never disclose the credit limit before you've even applied for the card.

I don't think Axis will be able to assist you in this case, as the person who persuaded you to apply for the card was likely not an Axis employee.

As you apply for more cards in the future, you'll learn to distinguish between genuine and fraudulent calls.
 
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we need to think how come axis has your PAN and employment details in which it approves card as pre approved , most likely some agent tried to scam you in these cases even axis can't do anything. But you can get to know the reason for rejection through PNO
 
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Vasuki said:
You must have applied with 3rd party not axis pre approved
How did you even though axis giving pre approved card without having any relationship with them
Bank account is must for getting pre approved card or even some loan account
Which means u have customer I'd generated in their system

Coming to rejection, then it depends on your profile & axis is notorious in rejecting
Which card u applied, job profile etc all factors included
Click to expand...
OK i understand that. but how can i get any axis bank cc without any relation. and how can i on boarding as new customer on axis bank. because i want a axis bank ltf card for using flipkart amazon offer.
 
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Ayan37 said:
OK i understand that. but how can i get any axis bank cc without any relation. and how can i on boarding as new customer on axis bank. because i want a axis bank ltf card for using flipkart amazon offer.
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You don't need any existing relationships with banks for a new credit card. Just visit Axis bank website and click on apply credit card. Fill in your details and it will show all eligible cards including LTF if any.
 
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JSK111 said:
You don't need any existing relationships with banks for a new credit card. Just visit Axis bank website and click on apply credit card. Fill in your details and it will show all eligible cards including LTF if any.
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but when i also tried this way but it's shown than you are not fulfil on our banking norms.
 
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Ayan37 said:
but when i also tried this way but it's shown than you are not fulfil on our banking norms.
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There are many criteria which banks check while issue cc.

Salary/age/pincode etc.
And if its saying you are not eligible this might be the reason cause you applied many times in short span of time so just relax and re apply after 7/8 months.
Before applying make sure to check your cibil score also if its less than 720 than don't think of applying.
 
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JSK111 said:
Many things to check here. Your cibil score, credit history period, self employed or salaried, yearly income, etc.

Did you try using c2c or any offline agent?
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yes i tried offline but unable to get any card. i have a stable income from business, my cibil also 780+, also i have different bank CC with better limit.
 
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Always try to apply from axis website only for your initial card, If you tried applying recently give some time atleast 3 months for next , if this is also getting rejected ask them the reason for rejection clearly .
At last you can try to open savings account and use it extensively , you will get pre approved cards with in 6 months this step takes time
 
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