My experience of closing idfc select card and applying for wealth card - A big fail converted to success

[RockyBond]

So I closed my Idfc select card having 1,80,000 limit as Idfc didn't upgrade it to wealth.

Closed wealth card 2 weeks ago. Today applied on idfc portal two times using a different number.

1. First time
Put real monthly income as 1,40,000 and existing card of amex limit 6,30,000.
Showed I am eligible for select card of limit 3,00,000. Cancelled the application.

2. Second time
After 30 mins again applied on portal. This time put higher monthly income of 8,00,000 and didn't select existing card option. Showed i am eligible for select card again but this time less limit of 2,22,000. Again cancelled the application.

Seems wealth card not in my luck even after having amex with 6.3 lakhs limit.

What am I doing wrong?

Update :-
3. Third time

With lot of thinking I thought of trying again. This time I put monthly income of 4,00,000 and selected existing card of amex limit 6,30,000 . And guess what Idfc showed wealth card with limit of 10,00,000. Just now did video kyc and waiting for approval/rejection

Final update 29th January :-
Application approved without any home or office verification.

From failure to success. What a journey 😂

 

[sxchzy]

KUCH NAHI KAR SAKTE

 

[Vasuki]

So I closed my Idfc select card having 1,80,000 limit as Idfc didn't upgrade it to wealth.

Closed wealth card 2 weeks ago. Today applied on idfc portal two times using a different number.

1. First time
Put real monthly income as 1,40,000 and existing card of amex limit 6,30,000.
Showed I am eligible for select card of limit 3,00,000. Cancelled the application.

2. Second time
After 30 mins again applied on portal. This time put higher monthly income of 8,00,000 and didn't select existing card option. Showed i am eligible for select card again but this time less limit of 2,22,000. Again cancelled the application.

Seems wealth card not in my luck even after having amex with 6.3 lakhs limit.

What am I doing wrong?

Apply c2c with good agent

 

[RockyBond]

Apply c2c with good agent

Any agent here please ping me up

 

[Sahilhenzy]

CIBIL ko bhi ungli ho raha cancel karke apply karte raho CIBIL saath mein down jayega

 

[SSV]

So I closed my Idfc select card having 1,80,000 limit as Idfc didn't upgrade it to wealth.

Closed wealth card 2 weeks ago. Today applied on idfc portal two times using a different number.

1. First time
Put real monthly income as 1,40,000 and existing card of amex limit 6,30,000.
Showed I am eligible for select card of limit 3,00,000. Cancelled the application.

2. Second time
After 30 mins again applied on portal. This time put higher monthly income of 8,00,000 and didn't select existing card option. Showed i am eligible for select card again but this time less limit of 2,22,000. Again cancelled the application.

Seems wealth card not in my luck even after having amex with 6.3 lakhs limit.

What am I doing wrong?

What is your cibil profile like??
Score, age, card details along with cl etc

 

[curios_mind_huh]

So I closed my Idfc select card having 1,80,000 limit as Idfc didn't upgrade it to wealth.

Closed wealth card 2 weeks ago. Today applied on idfc portal two times using a different number.

1. First time
Put real monthly income as 1,40,000 and existing card of amex limit 6,30,000.
Showed I am eligible for select card of limit 3,00,000. Cancelled the application.

2. Second time
After 30 mins again applied on portal. This time put higher monthly income of 8,00,000 and didn't select existing card option. Showed i am eligible for select card again but this time less limit of 2,22,000. Again cancelled the application.

Seems wealth card not in my luck even after having amex with 6.3 lakhs limit.

What am I doing wrong?

Same, but use both Salary > 3L and C2C with credit limit > 5L

 

[RockyBond]

Same, but use both Salary > 3L and C2C with credit limit > 5L

Still they showed select?

 

[amit90]

Bhai IDFC Wealth Card ke bina kaam nahi chal skta kya? What is fascinating you about this card?

 

[deep@vie]

So I closed my Idfc select card having 1,80,000 limit as Idfc didn't upgrade it to wealth.

Closed wealth card 2 weeks ago. Today applied on idfc portal two times using a different number.

1. First time
Put real monthly income as 1,40,000 and existing card of amex limit 6,30,000.
Showed I am eligible for select card of limit 3,00,000. Cancelled the application.

2. Second time
After 30 mins again applied on portal. This time put higher monthly income of 8,00,000 and didn't select existing card option. Showed i am eligible for select card again but this time less limit of 2,22,000. Again cancelled the application.

Seems wealth card not in my luck even after having amex with 6.3 lakhs limit.

What am I doing wrong?

You showed have showed income 3l+ & amex card as well. Then there were chances.

 

[RockyBond]

You showed have showed income 3l+ & amex card as well. Then there were chances.

Should i try again? 😂

 

[deep@vie]

Should i try again? 😂

You can. It should have been done in first try.
Or try after a month or two for better chances.

 

[RockyBond]

So I closed my Idfc select card having 1,80,000 limit as Idfc didn't upgrade it to wealth.

Closed wealth card 2 weeks ago. Today applied on idfc portal two times using a different number.

1. First time
Put real monthly income as 1,40,000 and existing card of amex limit 6,30,000.
Showed I am eligible for select card of limit 3,00,000. Cancelled the application.

2. Second time
After 30 mins again applied on portal. This time put higher monthly income of 8,00,000 and didn't select existing card option. Showed i am eligible for select card again but this time less limit of 2,22,000. Again cancelled the application.

Seems wealth card not in my luck even after having amex with 6.3 lakhs limit.

What am I doing wrong?

You can. It should have been done in first try.
Or try after a month or two for better chances.

3. Third time
With lot of thinking I thought of trying again. This time I put monthly income of 4,00,000 and selected existing card of amex limit 6,30,000 . And guess what Idfc showed wealth card with limit of 10,00,000. Just now did video kyc and waiting for approval/rejection

 

[Abhishek012]

Kal he padha tha yeh -

 

[Tensor]

But why IDFC Wealth. I'm thinking about cancelling mine. Stuck at 500k and IDFC is deaf to limit increase requests.

 

[RockyBond]

But why IDFC Wealth. I'm thinking about cancelling mine. Stuck at 500k and IDFC is deaf to limit increase requests.

Why you need more limit bro

 

[curios_mind_huh]

Why you need more limit bro

But do you really have a monthly income of 4L? I assume, IDFC asks you to furnish Bank Statements & Payslips

 

[Random123]

Congrats, hope your application goes through successfully ! Can you please let us know if they asked for any docs - salary slip / exisiting cc statement during or before vkyc ?

 

[Tensor]

Why you need more limit bro

No specific reason. Yes Marquee and IDFC Wealth have lowest limit in my portfolio.

 

[Tensor]

But do you really have a monthly income of 4L? I assume, IDFC asks you to furnish Bank Statements & Payslips

Naah.. They don't. Provisional approval is given without asking any income proof.