Scapia card got rejected

[Riyon]

Hi,

I'm holding a Federal Bank Imperio 2.60 lac credit card.

I got the card in September 2024.

Now I came to know that Federal Bank allows users to have two cards, so I applied for a Scapia card but it was rejected.

I sent an email requesting reconsideration, but they said I've reached my maximum permissible limit.

What should I do to get this card after 90 days?

My total credit card limit is 31 lac.

I mostly have cards from all banks..

 

[subham23]

Credit cards, personal loans, student loans, and lines of credit are common types of unsecured credit products.
Based on Bank's email, i suggest you to lower down your monthly spend based on your income (do not use 100% of credit limit) as multiple credit cards from same bank share same credit limit. As recommended by bank, control your credit card utlliization smartly for 3 months and re-apply.

 

[Riyon]

Credit cards, personal loans, student loans, and lines of credit are common types of unsecured credit products.
Based on Bank's email, i suggest you to lower down your monthly spend based on your income (do not use 100% of credit limit) as multiple credit cards from same bank share same credit limit. As recommended by bank, control your credit card utlliization smartly for 3 months and re-apply.

My total credit utilization is 3-4% max and im also holding one home loan near 24lac value remaining.

 

[ashwinikumar900]

Hi,

I'm holding a Federal Bank Imperio 2.60 lac credit card.

I got the card in September 2024.

Now I came to know that Federal Bank allows users to have two cards, so I applied for a Scapia card but it was rejected.

I sent an email requesting reconsideration, but they said I've reached my maximum permissible limit.

What should I do to get this card after 90 days?

My total credit card limit is 31 lac.

I mostly have cards from all banks..

View attachment 101387

This is their default reply for rejection reasons. I have a CELESTA card with a limit of 6.21L (3 years old) and I barely use the card, mostly for card-based discounts. I have almost 80L overall limits for cards, utilisation never crosses 5-6%, no default or late payment, a 10-12 years old credit history, and a CIBIL Score of 790. Still, they reject the card (SCAPIA). I guess they approve on the basis of a SHOLEY'S coin flip.

 

[keerthirahul123]

This is their default reply for rejection reasons. I have a CELESTA card with a limit of 6.21L (3 years old) and I barely use the card, mostly for card-based discounts. I have almost 80L overall limits for cards, utilisation never crosses 5-6%, no default or late payment, a 10-12 years old credit history, and a CIBIL Score of 790. Still, they reject the card (SCAPIA). I guess they approve on the basis of a SHOLEY'S coin flip.

People with CELESTA cards are rejected by default. Havent come across a single celesta holder being able to get scapia. i have also been rejected for scapia and I have celesta.

 

[akiratoriyama]

Have only onecard federal Bank holders (no core federal card) gotten approval for scapia?

 

[AkashnAkashn is verified member.]

People with CELESTA cards are rejected by default. Havent come across a single celesta holder being able to get scapia. i have also been rejected for scapia and I have celesta.

Post in thread 'Federal Bank Scapia is Back with Issuing New Cards' https://www.technofino.in/community...back-with-issuing-new-cards.38701/post-960185

Post in thread 'Federal Bank Scapia is Back with Issuing New Cards'

Mar 7, 2025

i hold Fi account, jupiter account and federal celesta credit card..
yesterday i reinstalled the scapia app, applied with my existing federal mobile number.
just aadhar number, pan details, basic details and it fetched other details from bank records.
no vkyc.
all it takes 5 minutes, then it showed credit limit (which is 50% of federal celesta) then it asked me to wait 24-48 hrs.

i was sure that it will get rejected but to my suprise it got approved today. i can see the card details on app today.

so, everyone who is existing federal customers (savings ac or cc), try your luck and...

• AlgoTrader

They got it holding celesta

 

[BeingIncogBeingIncog is verified member.]

Have only onecard federal Bank holders (no core federal card) gotten approval for scapia?

yes few i know