My application for Uni Gold X credit card was rejected. When I insisted on a mail response on reason for rejection, I got the following mail:
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Thank you for reaching out to Uni Cards. We truly value the opportunity to assist you and address your concerns.
I trust this email finds you well.
We truly appreciate your interest in the GOLD X Credit Card. However, we regret to inform you that your application is currently on hold, as your credit profile does not align with our internal risk policy at this time. We sincerely apologise for any inconvenience this may have caused.
The GOLD X Credit Card applications are evaluated based on a proprietary eligibility framework, which considers multiple dynamic parameters such as internal policy checks, credit bureau data, income verification, existing obligations, and more. A mismatch in any of these parameters may lead to the application being put on hold.
Due to confidentiality and compliance reasons, we are unable to disclose the specific criteria that led to this decision. However, please be assured that an application being on hold now does not impact your future eligibility. Our systems and policies are regularly reviewed and updated, and we encourage you to try again when the GOLD X Credit Card becomes more widely available.
We truly value your interest in being a part of the Uni Cards experience and hope to serve you in the near future.
If you have any further questions or need assistance, feel free to write back or call us at 080-6821-6821 (available 24/7).
Warm regards,
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BTW, I have a credit score of 797 and good monthly salary. Any suggestions on how I can get the actual reason for rejection?
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Thank you for reaching out to Uni Cards. We truly value the opportunity to assist you and address your concerns.
I trust this email finds you well.
We truly appreciate your interest in the GOLD X Credit Card. However, we regret to inform you that your application is currently on hold, as your credit profile does not align with our internal risk policy at this time. We sincerely apologise for any inconvenience this may have caused.
The GOLD X Credit Card applications are evaluated based on a proprietary eligibility framework, which considers multiple dynamic parameters such as internal policy checks, credit bureau data, income verification, existing obligations, and more. A mismatch in any of these parameters may lead to the application being put on hold.
Due to confidentiality and compliance reasons, we are unable to disclose the specific criteria that led to this decision. However, please be assured that an application being on hold now does not impact your future eligibility. Our systems and policies are regularly reviewed and updated, and we encourage you to try again when the GOLD X Credit Card becomes more widely available.
We truly value your interest in being a part of the Uni Cards experience and hope to serve you in the near future.
If you have any further questions or need assistance, feel free to write back or call us at 080-6821-6821 (available 24/7).
Warm regards,
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BTW, I have a credit score of 797 and good monthly salary. Any suggestions on how I can get the actual reason for rejection?
