AU Ixigo Credit Card Rejected Instantly Before KYC – Need Help

[Maitri Maniya]

I recently applied for the AU Ixigo Credit Card via the Ixigo app, but my application was rejected instantly, even before the KYC process.

I have a strong CIBIL score, work at a reputed company with a good salary, and already hold credit cards from other banks.

I'm unsure why this happened. Anyone able to get it approved after facing a similar rejection? Please share any tip

 

[abhimarda]

I recently applied for the AU Ixigo Credit Card via the Ixigo app, but my application was rejected instantly, even before the KYC process.

I have a strong CIBIL score, work at a reputed company with a good salary, and already hold credit cards from other banks.

I'm unsure why this happened. Anyone able to get it approved after facing a similar rejection? Please share any tipView attachment 2197

Do you have any other AU credit card?

 

[Skylar]

I recently applied for the AU Ixigo Credit Card via the Ixigo app, but my application was rejected instantly, even before the KYC process.

I have a strong CIBIL score, work at a reputed company with a good salary, and already hold credit cards from other banks.

I'm unsure why this happened. Anyone able to get it approved after facing a similar rejection? Please share any tipView attachment 2197

Consider yourself fortunate. I would avoid that bank due to its poor customer support. Additionally, the value of their cards depreciates every quarter.

 

[hoodedRobin]

Consider yourself fortunate. I would avoid that bank due to its poor customer support. Additionally, the value of their cards depreciates every quarter.

Now that's a 3 sword style comment!

 

[Maitri Maniya]

Do you have any other AU credit card?

No

 

[abhimarda]

No

Then probably you are in their no service area

 

[Maitri Maniya]

Then probably you are in their no service area

my pin code is serviceable

 

[Maitri Maniya]

they replied with this. when i asked Reason for rejection

We have examined your application, basis the following criteria (does not necessarily imply your adverse creditworthiness).

1. Eligibility criteria as per the Bank

2. Past borrowings of the applicant

3. Regulatory and statutory provisions governing the Bank

4. Inaccurate information/declaration by the applicant

5. KYC Norms

Based on the information provided by you and our consideration of the same with the above-highlighted criteria, we regret to inform you that we are unable to process the credit card application submitted by you as the same does not meet the required criteria.

We take this opportunity to thank you for your interest in availing AU Bank Credit Card and hope that we can be of service to you in the future.

Further, the bank would re-evaluate your profile after 6 months. Thus, we request you to reapply after 6 months.

 

[Maitri Maniya]

after multiple calls and emails to PNO. Today they replied for rejection reason: High number of active credit cards

 

[rajib]

after multiple calls and emails to PNO. Today they replied for rejection reason: High number of active credit cards

how many cards do you have?

 

[Maitri Maniya]

6 cards

 

[abhimarda]

6 cards

That's not too many but may be according to your income and total limits available from all cards they think total limits available is high hence the number of cards is considered high.

 

[Maitri Maniya]

Income is > 14 LPA. Total credit limit is 7.45 lakh

 

[Maitri Maniya]

That's not too many but may be according to your income and total limits available from all cards they think total limits available is high hence the number of cards is considered high.

can i raise it to RBI as i am not satisfied with the bank's response ? or should wait for 30 days?

 

[Maitri Maniya]

how much time it takes for resolution after complaining in RBIO? i complained on 29th january. i received a call next day after filling from the bank. but i'm not satisfied with their response. they rejected my AU ixigo. stating "high active credit card". and told me to reapply. i said why should i reapply. i will be having same number of cards and why this criteria wasn't mentioned. then after there is no update from AU bank or RBIO. what should i do now