Its been 2 year of Saving A/c as i also was in assumption that opening saving a/c may increase approval possibilities but no Pre Approved Offer for Cc. I'm getting Home Loan, Car Loan la bla lone except Cc!
Same question is haunting me as well.
If I get a FD based Axis Cc how could I, in near future, get unsecured Axis Cc? As they are declining my Cc application from many years! 16L+ITR CIBIL 789 Kotak 6L Amex 5L Limit. Tried all channels of application Online/Offline /C2C
Sir
As HSBC offers 10% cash back on restaurants which is pretty good deal. I have Kotak Delight as well but for geting 10% cashback on Restaurants i have to fiest spend 10k on this card which is major drawback
Ok 👌 Let's try. But that didn't work in Axis. May be policies vary bank to bank. In Axis I'm getting all loans - Bike/car/gold/Home.. Bla bla but never get ant Credit card offer since 2022.
May be HSBC doesn't repeat the same fate
Tried that way in Axis by opening saving a/c as they also consistently declining cc application but it's been more than 1 year & i'am yet get any Pro approved offer. Tried new cc application once a/c is opened but that too declined!
Actually i am waiting for cool off period to be over in March 2024. Than i would apply offline on C2C basis. If again they would reject i would approach them with Deletion latter.
Do they(Bank) review from scratch for new credit card application which was declined by them in past or they rely on system red flags even though correction of issue has been taken by applicant ?
Since my last aplication was declined by HSBC in January 2023 i immediatley suspected the Dual PAN as a possible culprit for rejection. So first i rushed to Delete my idle PAN from Income Tax and it eventually got deleted in August 2023, confirmed PAN status from Income Tax website as...
I have been trying from last many years for getting HSBC credit card but after initial online approval with 4+ lakh limit my application getting rejected after video KYC .
Mailed them about actual reason for application decline but everytime i got response as 'Banks Internal Policy'.
So i moved...