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 😂

 

[ajitshukla19]

Smh I now have 3 Idfc enquiries on my CIBIL in 2 months. Never gonna apply for IDFC again. Entered 2 Lakhs salary(real) with no credit card It suggested a WOW FD Card.

It's not about salary. They are analysing many factors such as cibil , previous history, highest variant of cards hold and limit and many more

 

[kartikk]

It's not about salary. They are analysing many factors such as cibil , previous history, highest variant of cards hold and limit and many more

Hmm yes But they should've atleast suggested Millenia 😑as I am eligible for Sbi elite and hdfc regalia and many more. Cibil is 783. The only thing bad is Sbi SimplySave credit card which I got preapproved with 92000 limit highest limit yet trying to get Sbi elite but they are not agreeing for ltf . Also Sbi is not agreeing for limit increase.

 

[deep@vie]

Smh I now have 3 Idfc enquiries on my CIBIL in 2 months. Never gonna apply for IDFC again. Entered 2 Lakhs salary(real) with no credit card It suggested a WOW FD Card.

Atleast 5l limit card should be there on cibil

 

[kartikk]

Atleast 5l limit card should be there on cibil

Will wait till getting a new card or LE on Sbicard

 

[RockyBond]

Now at this stage. Can get rejected from here?

 

[Vasuki]

Now at this stage. Can get rejected from here?

Are you asking or sharing 😅.
Should be updated in 2 days

 

[techt]

Now at this stage. Can get rejected from here?

Your cibil ?
Highest CL on card ?
Salary entered ?

 

[Vasuki]

Your cibil ?
Highest CL on card ?
Salary entered ?

He will get card just his inner jill is asking question
Is there 1% chances of failure.
But never sure about idfc 😁

 

[Vasuki]

@S S V @Tensor @RockyBond
What is the chance of idfc office verification.
Heard it does for many .
Unlike sbi ,kotak ,yes bank etc

 

[techt]

@S S V @Tensor @RockyBond
What is the chance of idfc office verification.
Heard it does for many .
Unlike sbi ,kotak ,yes bank etc

They didn't do any verification for me. Just vkyc. Are you planning to apply for this too?

 

[SSV]

@S S V @Tensor @RockyBond
What is the chance of idfc office verification.
Heard it does for many .
Unlike sbi ,kotak ,yes bank etc

Have applied or planning to apply?

 

[Vasuki]

They didn't do any verification for me. Just vkyc. Are you planning to apply for this too?

Y e s . Any tips .

I have 2 card on gurugram address but none reported in cibil yet bcz they new .

 

[SSV]

Y e s . Any tips .

I have 2 card on gurugram address but none reported in cibil yet bcz they new .

then wait for March end.. then its easy to get ..

 

[Vasuki]

Have applied or planning to apply?

agent shown me this

 

[SSV]

agent shown me this

99% no verification is needed.. but why do you want this card..
If you wait for 6 months, you can get Wealth CC mostly ..

 

[hellobois]

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

IDFC wale physical verification ke time padosi se bhi puchte hain ki ladka kaisa hai? udhar to ni leta?
kya ye income proof ni mange ge?

 

[techt]

agent shown me this

is that your name ?

 

[Vasuki]

99% no verification is needed.. but why do you want this card..
If you wait for 6 months, you can get Wealth CC mostly ..

Nah just agent girl spamming call from so many numbers .whatspp
I guess i m done applying this season.
Will apply in march april
Till then m happy .going back to hard-core studying..

See you Soon
@S S V @techt @varun__goel_ @#aniket 🙂
If i have break-up expect me soon else will come in march 😅

 

[Vasuki]

is that your name ?

Y e s .
Abhishek Singh

 

[#aniket]

Nah just agent girl spamming call from so many numbers .whatspp
I guess i m done applying this season.
Will apply in march april
Till then m happy .going back to hard-core studying..

See you Soon
@S S V @techt @varun__goel_ @#aniket 🙂
If i have break-up expect me soon else will come in march 😅

WoW 😳 such a bold decision, anyway respect your decision bro. Wish you all the best, come on DM, have to ask sth personal.