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IndusInd Legend All cards availed through AU Swipe Up

Understood. Rookie mistake on my part, got carried away. Hopefully that's the only reason why my applications are getting declined.

20

Yeah, it was at a steady 770+ last I checked. But I did have a lot of enquiries because I was trying out for a lot of cards (mostly reapplying for IDFC to check if offered anything above Millenial)

I have a very weird problem over here. Since last year, all my credit card applications are getting declined citing bank's internal policy. I got the Apay cc in 2021. I took a home loan in mid of 2022. After that, I applied for BOB Premier, ICICI Rubyx, HDFC Regalia (c2c) and Axis MyZone...

customer.care@icicibank.com

I did. Twice. Each time, they keep sending the same boilerplate reply, citing internal bank policy and asking me to re-apply 6 months later, or to opt for a secured CC

Recently, my application for the ICICI Platinum Chip CC was declined by the bank. They didn't provide any reason, and asked me to retry again after 6 months. I have a CIBIL score of 786, monthly gross > 1L and have never ever defaulted on a payment, so I find it weird that they would reject it...

Oh, understood. Amex agent was requesting me to provide ITR info/Form 16. Was wondering what that was about.

A lot of banks ask for ITR amount as a criteria for getting a credit card. Is ITR equal to my entire CTC, or is it based on the taxable portion of my CTC only (salaried with no secondary source of income)? Apologies in advance for the noob question. :/

How about the SmartEarn?

I just noticed that @TechnoFino has AMEX SmartEarn, AU Bank Zenith and HDFC Diners Club Privilege credits cards as LTF. Any idea how we can get LTF versions of these credit cards? Was there any limited period promo offers for these earlier?

Hey @TechnoFino Is there a thread where we can post/check out limited period LTF offers for various credit cards? If not, can such a thread be created? Will be very useful for members to check out LTF offers at a glance. Thanks!