AU Card overriding pre-approved offer

[ontherocks]

So I have a pre-approved offer of Altura+ in my savings account.
As per the eligible employer list and my existing cards with their limits, I am eligible for a higher variant LTF like for e.g. Vetta if applied via here https://www.technofino.in/community...-from-au-bank-lifetime-free-company-list.177/ or AU Swipe Up.
But AU Bank credit card employee mentioned that if there is a pre-approved offer in your savings account, AU will not allow getting any other card. As soon as you enter your details, AU's system will detect that you have a savings account and will detect the pre-approved credit card offer and will issue that card.
If I didn't have a savings account or didn't have a pre-approved credit card offer in my savings account I would have got Zenith/Vetta. Its like AU is punishing for having a savings account with them.
Anyone knows a way to override the pre-approved offer?

 

[Shrinit Padwal]

So I have a pre-approved offer of Altura+ in my savings account.
As per the eligible employer list and my existing cards with their limits, I am eligible for LTF Zenith if applied via here https://www.technofino.in/community...-from-au-bank-lifetime-free-company-list.177/ or AU Swipe Up.
But AU Bank credit card employee mentioned that if there is a pre-approved offer in your savings account, AU will not allow getting any other card. As soon as you enter your details, AU's system will detect that you have a savings account and will detect the pre-approved credit card offer and will issue that card.
If I didn't have a savings account or didn't have a pre-approved credit card offer in my savings account I would have got Zenith. Its like AU is punishing for having a savings account with them.
Anyone knows a way to override the pre-approved offer?

Anyways new Zenith is not issued now(from Sept I think). Now only paid Zenith+ is issued.

 

[Calm Radiance]

Zenith is discontinued since Sep 5. Only Zenith+ is available.

 

[ontherocks]

Anyways new Zenith is not issued now(from Sept I think). Now only paid Zenith+ is issued.

In that case is it possible to get Vetta overriding the pre-approved offer?
@Sudip Santra
I've edited the topic.

 

[Chaitanya-a]

So I have a pre-approved offer of Altura+ in my savings account.
As per the eligible employer list and my existing cards with their limits, I am eligible for a higher variant LTF like for e.g. Vetta if applied via here https://www.technofino.in/community...-from-au-bank-lifetime-free-company-list.177/ or AU Swipe Up.
But AU Bank credit card employee mentioned that if there is a pre-approved offer in your savings account, AU will not allow getting any other card. As soon as you enter your details, AU's system will detect that you have a savings account and will detect the pre-approved credit card offer and will issue that card.
If I didn't have a savings account or didn't have a pre-approved credit card offer in my savings account I would have got Zenith/Vetta. Its like AU is punishing for having a savings account with them.
Anyone knows a way to override the pre-approved offer?

Same is the case with Federal Bank. They don't ask for variant of your choice if you've pre approved offer. They'll issue pre approved card only.

And since there's no CIBIL hit, we usually end up getting lower limit than most of our cards.

 

[Card_Maddy]

In Au @deep@vie can help

 

[deep@vie]

So I have a pre-approved offer of Altura+ in my savings account.
As per the eligible employer list and my existing cards with their limits, I am eligible for a higher variant LTF like for e.g. Vetta if applied via here https://www.technofino.in/community...-from-au-bank-lifetime-free-company-list.177/ or AU Swipe Up.
But AU Bank credit card employee mentioned that if there is a pre-approved offer in your savings account, AU will not allow getting any other card. As soon as you enter your details, AU's system will detect that you have a savings account and will detect the pre-approved credit card offer and will issue that card.
If I didn't have a savings account or didn't have a pre-approved credit card offer in my savings account I would have got Zenith/Vetta. Its like AU is punishing for having a savings account with them.
Anyone knows a way to override the pre-approved offer?

There is no wayout. Wait for the pre-approved offer to go away or get updated to better card & limit.

 

[deep@vie]

In Au @deep@vie can help

@M_D I would but unfortunately there's no way out

 

[ontherocks]

There is no wayout. Wait for the pre-approved offer to go away or get updated to better card & limit.

The pre-approved offer is there for more than a year. I don't think it is ever going to go away.

This is how AU punishes their savings account holder
1. A person doesn't have any relation with AU, he directly applies via Swipe UP for e.g. and gets Vetta. Costs him one CIBIL hit and a few minutes of his life. AU doesn't bother him with anything.
2. A person is a faithful AU account holder. AU gives him shitty pre-approved card and on top of that with shitty limit. He is forced to take that card. The only option is upgrade initiation from customer's side. For that he has to first start a limit enhancement process by sending ITR/salary slips and what not. Then spends days/weeks/months back and forth fighting with AU's limit enhacement policies, red tape, process inefficiencies and lethargy and gets a limit enhacnement at their mercy. Costs him one CIBIL hit and tons of his time and mental peace. Next he applies for a card upgrade. Then spends days/weeks/months back and forth with AU's card upgrade policies, red tape, process inefficiencies and lethargy and, he gets a card upgrade at their mercy. Costs him another CIBIL hit and tons of his time and mental peace. Ultimately gets the card he wanted after a looooong time, which otherwise he would have got on day zero in a few clicks. Requires some genuis to architect this workflow.

 

[SpiesCan'tCatchMe]

I have had a pre approved offer for LIT for a few months with max limit 45k and then after i denied it disappeared
now im not bothered about au Cards anymore

 

[deep@vie]

The pre-approved offer is there for more than a year. I don't think it is ever going to go away.

This is how AU punishes their savings account holder
1. A person doesn't have any relation with AU, he directly applies via Swipe UP for e.g. and gets Vetta. Costs him one CIBIL hit and a few minutes of his life. AU doesn't bother him with anything.
2. A person is a faithful AU account holder. AU gives him shitty pre-approved card and on top of that with shitty limit. He is forced to take that card. The only option is upgrade initiation from customer's side. For that he has to first start a limit enhancement process by sending ITR/salary slips and what not. Then spends days/weeks/months back and forth fighting with AU's limit enhacement policies, red tape, process inefficiencies and lethargy and gets a limit enhacnement at their mercy. Costs him one CIBIL hit and tons of his time and mental peace. Next he applies for a card upgrade. Then spends days/weeks/months back and forth with AU's card upgrade policies, red tape, process inefficiencies and lethargy and, he gets a card upgrade at their mercy. Costs him another CIBIL hit and tons of his time and mental peace. Ultimately gets the card he wanted after a looooong time, which otherwise he would have got on day zero in a few clicks. Requires some genuis to architect this workflow.

One more thing that socks about AU is they generally don't issue cards to someone who closes their account.

 

[SpiesCan'tCatchMe]

One more thing that socks about AU is they generally don't issue cards to someone who closes their account.

Attitude problem hai au bank ko

 

[deep@vie]

Attitude problem hai au bank ko

They're Lakeer ke Fakeer

 

[ontherocks]

One more thing that socks about AU is they generally don't issue cards to someone who closes their account.

You mean closes savings account or closes credit card?

 

[ontherocks]

I have had a pre approved offer for LIT for a few months with max limit 45k and then after i denied it disappeared
now im not bothered about au Cards anymore

What did you actually do to deny? Email someone?

 

[SpiesCan'tCatchMe]

I

What did you actually do to deny? Email someone?

i tried applying and then left it incomplete and then they called me i said i dont want that card

 

[deep@vie]

You mean closes savings account or closes credit card?

Both both both

 

[deep@vie]

I have had a pre approved offer for LIT for a few months with max limit 45k and then after i denied it disappeared
now im not bothered about au Cards anymore

You can get it now if pre-approved is not there,do confirm in AU0101 app.

 

[SpiesCan'tCatchMe]

You can get it now but pre-approved is not there,do confirm in AU0101 app.

I'm confused whether to take au card or not

 

[deep@vie]

I'm confused whether to take au card or not

Let's clear the confusion, what's the high3st imit card you hold currently ?