Pre approved Kotak CC application rejected.

[doomlord]

Recently I got a pre approved offer on my sister's account of Kotak Ltf League cc. My sister is having a Kotak 811 account from past 1 year. She doesn't have a CIBIL history and this was a first credit card which we applied for her . Since it was showing pre approved offer so I thought of giving it a chance. I filled the application 3 4 days ago. Yesterday my sister received a mail that the application has been rejected. I wanted to know what's the point of having a pre approved offer if it is gonna rejected like this . I thought the card will get accepted since I'd applied for HDFC pre approved offer and without any CIBIL check they accepted my application. Pls guide if anything can be done on this behalf. Needed kotak cc for occasional offers .

 

[hs23new]

I also had pre approved credit card offer and i applied they rejected my application but i had complained in Banking Ombudsman they said due to the internal policy we have rejected your application. I complained again in banking ombudsman then suddenly they approved my credit card and now i am using that card.

By banking ombudsman, you mean RBI ombudsman?

 

[ashwink]

my RM and

811 Account have RM features?

 

[sxchzy]

811 Account have RM features?

nope
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+
+

 

[Sahilhenzy]

nope
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+
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Then how he is claiming that he has RM?

 

[sxchzy]

Then how he is claiming that he has RM?

no idea
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+

 

[sxchzy]

811 is 0 mab account and doesnt get a rm afaik

 

[hs23new]

I applied for Kotak 811 Edge Savings Account via bank branch. There is a RM.

 

[Sahilhenzy]

I applied for Kotak 811 Edge Savings Account via bank branch. There is a RM.

OP haven't mentioned about it is 811 edge.

 

[uvaid786]

By banking ombudsman, you mean RBI ombudsman?

Yes RBI ombudsman.

 

[Chupaxabra]

811 Account have RM features?

Mine is not a 811 account. It has a mab requirement.

 

[yobro]

Pre-approved offers do not guarantee credit cards. Both you and the bank have mentioned there is no history of CIBIL associated. Hence it got rejected,

Then what is the point of card being pre approved?

 

[Vasuki]

Then what is the point of card being pre approved?

His pincode might not be serviable

 

[doomlord]

His pincode might not be serviable

I'd put Kota, Rajasthan pincode, is it not serviceable by Kotak?