Hi folks,
On February 24th, I initiated closure request for my one-year-old IDFC Classic credit card (1L limit). I received call from CC on Feb 25th urging me to reconsider my request, requiring me to submit 3-month payslips/salary credit bank statement to banker@idfcfirstbank.com. Unfortunately, on Feb 28th, the CLI and Wealth upgrade request were denied. Promptly after the rejection, I submitted the closure request for the second time. On February 29th, I received another call from customer care agent, and I requested the closure of my card. She reconfirmed for the last time before processing the closure. Within couple of hours, I received an SMS confirmation of the successful closure of my card.
Thanks to the TF community, I reapplied on the same day using my second mobile number (following confirmation from @varun__goel_). The reapplication was conditionally approved with a 677,000 limit (no income proof/documents were required).
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C2C - Axis 15L (choose AXIS Ace as Magnus was not available in the dropdown),
Salary Input - 3.1 L,
CIBIL 780
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March 2nd Timeline:
On February 24th, I initiated closure request for my one-year-old IDFC Classic credit card (1L limit). I received call from CC on Feb 25th urging me to reconsider my request, requiring me to submit 3-month payslips/salary credit bank statement to banker@idfcfirstbank.com. Unfortunately, on Feb 28th, the CLI and Wealth upgrade request were denied. Promptly after the rejection, I submitted the closure request for the second time. On February 29th, I received another call from customer care agent, and I requested the closure of my card. She reconfirmed for the last time before processing the closure. Within couple of hours, I received an SMS confirmation of the successful closure of my card.
Thanks to the TF community, I reapplied on the same day using my second mobile number (following confirmation from @varun__goel_). The reapplication was conditionally approved with a 677,000 limit (no income proof/documents were required).
---
C2C - Axis 15L (choose AXIS Ace as Magnus was not available in the dropdown),
Salary Input - 3.1 L,
CIBIL 780
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March 2nd Timeline:
- Application Verification at 9:15 AM - I received a call from the IDFC representative for verification on my second number. (I couldn't answer as I was outside). Luckily, he called on my main number and confirmed details in the application (like DOB, Address, Phone Number etc). Immediately after reaching home, I called him from my second number, requesting no negative remarks about the application. He assured me that no such issues would occur (I have read in the TF community a few applications have been rejected due to negligence from verification guys).
- Credit Review at 4:52 PM - The reviewer called on my second number and asked for office details (my office is in Mumbai, and my home location is Hyderabad) i told it was WFH) & also asked about my Phone numbers (main and second)
- Card Generated at 7:17 PM - Upon logging into the IDFC app, I observed the virtual Wealth credit card generated alongside the Rupay card. (Luckily i could see credit card linked to my main number)
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