sjmajumder
TF Ace
I closed One Card earlier to apply for Scapia but as Scapia is not issuing new cards decided to go with Federal Bank Celesta MC.
One Card was closed on 29th December but I was unable to apply for Celesta as system kept saying "You are already using Federal Bank Credit Card services". So, I wrote to customer care and they asked me to provide proof of One Card closure. Provided mail from One card team and also shared CIBIL report where closure date was reflecting as 29th December. They asked me to wait for cool down period which is 90 days. But even when I tried on 1st April system was giving the same error, so I wrote back to customer care. They opened a ticket and kept giving me updates every 3/4 days saying team working on it, we need some more time. Yesterday night also I saw a mail from them and wrote back saying it's already 15 days when is the problem going to be resolved? As usual after sending the mail I tried applying and Voila! it worked. It was around 9:10 pm when I submitted the application. System only asked for last 3 months salary account bank statement. Did not ask for salary slip, no Aadhaar verification, no address proof or anything else, no VKYC either.
Today morning at 10:57 received SMS your card is issued. That was superfast...card issued in less than 14 hours. The SMS also said I can use the digital card from FedMobile app but when tried to register, after mobile number verification it is asking for 14 digit Federal Bank account number and not allowing to proceed 🙁
Let's wait and see when I receive the card.
Update:
17-Apr: Card issued Signet Visa with 1.2L CL
18-Apr: Requested for cancellation on 18-Apr as they refused to upgrade to Celesta MC
22-Apr: Card received through Delhivery on 22-Apr
26-Apr: Card closed on 26-Apr (exactly on the 7th working day from date of request 😢)
09-May: Registered complaint with RBIO against Federal Bank for mis-selling of Signet card
18-May: Random CIBIL hit from Federal Bank credit cards. Didn't apply anywhere
20-May: Wrote to Bank asking to remove CIBIL hit.
21-May: Received reply from bank that they are now willing to offer me Celesta with CL of 3L and they will look into the CIBIL hit issue. Asked for my consent. Confirmed back stating want only Celesta MC, OK with CL.
06-Jun: Got call from Federal Bank. They asked me to reapply. After entering mobile number and OTP straightaway showed me Celesta Card with CL=3L. Address was also entered by default, just clicked submit. Within seconds received SMS your card is issued. Checked mail variant is mentioned as "Non Kerala - Celesta 50K" - anyone knows what is meant by that? Mailed them to issue only MC.
10-Jun: Received mail confirmation that network change from Visa to Mastercard is done. Will receive card shortly.
13-Jun: Received Celesta Visa through Delhivery. Not sure why they sent it as network change confirmation already received 3 days back.
16-Jun: Finally received my Celesta MC through Delhivery today!!
02-Jul: Went to branch and activated transaction mode using branch token. Now CC is visible in the app.
One Card was closed on 29th December but I was unable to apply for Celesta as system kept saying "You are already using Federal Bank Credit Card services". So, I wrote to customer care and they asked me to provide proof of One Card closure. Provided mail from One card team and also shared CIBIL report where closure date was reflecting as 29th December. They asked me to wait for cool down period which is 90 days. But even when I tried on 1st April system was giving the same error, so I wrote back to customer care. They opened a ticket and kept giving me updates every 3/4 days saying team working on it, we need some more time. Yesterday night also I saw a mail from them and wrote back saying it's already 15 days when is the problem going to be resolved? As usual after sending the mail I tried applying and Voila! it worked. It was around 9:10 pm when I submitted the application. System only asked for last 3 months salary account bank statement. Did not ask for salary slip, no Aadhaar verification, no address proof or anything else, no VKYC either.
Today morning at 10:57 received SMS your card is issued. That was superfast...card issued in less than 14 hours. The SMS also said I can use the digital card from FedMobile app but when tried to register, after mobile number verification it is asking for 14 digit Federal Bank account number and not allowing to proceed 🙁
Let's wait and see when I receive the card.
Update:
17-Apr: Card issued Signet Visa with 1.2L CL
18-Apr: Requested for cancellation on 18-Apr as they refused to upgrade to Celesta MC
22-Apr: Card received through Delhivery on 22-Apr
26-Apr: Card closed on 26-Apr (exactly on the 7th working day from date of request 😢)
09-May: Registered complaint with RBIO against Federal Bank for mis-selling of Signet card
18-May: Random CIBIL hit from Federal Bank credit cards. Didn't apply anywhere
20-May: Wrote to Bank asking to remove CIBIL hit.
21-May: Received reply from bank that they are now willing to offer me Celesta with CL of 3L and they will look into the CIBIL hit issue. Asked for my consent. Confirmed back stating want only Celesta MC, OK with CL.
06-Jun: Got call from Federal Bank. They asked me to reapply. After entering mobile number and OTP straightaway showed me Celesta Card with CL=3L. Address was also entered by default, just clicked submit. Within seconds received SMS your card is issued. Checked mail variant is mentioned as "Non Kerala - Celesta 50K" - anyone knows what is meant by that? Mailed them to issue only MC.
10-Jun: Received mail confirmation that network change from Visa to Mastercard is done. Will receive card shortly.
13-Jun: Received Celesta Visa through Delhivery. Not sure why they sent it as network change confirmation already received 3 days back.
16-Jun: Finally received my Celesta MC through Delhivery today!!
02-Jul: Went to branch and activated transaction mode using branch token. Now CC is visible in the app.
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