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Axis Bank — Credit card declined with giving reason

Address:gurgaon

Dear Sir Mam,

Axis bank is mentally torturing the customer.

I am applying for Axis bank different credit card from last few years, but every time axis bank has rejected my application and resulting CIBIL score also get impacted due to every time rejection. just for reference. Application reference no[protected]

I had submitted around 4 or 5 application in the gap of more than 6 months in last 2 or 3 years in the axis bank. But they rejected all application without giving any proper reason. I had asked many times for reason, but they never provided it.

I am working in good MNC and having good salary and cibil score more than 750 etc and I have bank account with axis bank. I met all condition to apply for card. I have other bank card as well where limit is more than 5 lacs and credit utilization is low. I don’t face any issue other bank but only have issue with Axis bank.

Request you please take an action against bank and ask them to provide proper reason to customer when they reject application so that customer can improve that particular area.

They simply collect the docs and then reject the application and ruin the cibil score.

It will disturb the customer mentally.
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Axis Bank customer support has been notified about the posted complaint.
Verified Support
Aug 07, 2021
Axis Bank Customer Care's response Hi Bhardwaj, we wish to inform you that the Axis Bank credit card application is approved or rejected as per bank internal norms. Regret the inconvenience caused. Regards, Team Axis Bank
Verified Support
Aug 09, 2021
Axis Bank Customer Care's response Hi, as per our records, we regret to inform you that your Axis Bank Credit Card application was not approved as per Bank's internal norms. The above decision has been taken after careful consideration of your application on its merit in line with Axis Bank's internal policies and operating procedure. Regret any inconvenience caused. Regards, Team Axis Bank.
Aug 09, 2021
Updated by Bhardwaj2448 Hi Axis Bank,

Do you think CUSTOMER is ### who stay at home by cancelling all his work and wait for bank executive for docs submission when he apply for credit Card?

CUSTOMER spent money to take print out the kyc/salary/bank statement and give it to bank executive. Who is responsible for this wastage of CUSTOMER' money?

During submitted application, we provide all the details like aadhar/PAN so why not bank decide that time only if CUSTOMER is eligible for the card or not?

You guys simply reject the application without giving any proper reason. This is not fare and you dont have right to hurt any one like this.

I am eligible for axis bank card as i am working in top MNC and having good salary package, cibil score is more than 750, good ITR, have other bank card as well and never missed a single payment for any card/LOAN and the same you can verify in cibil report.

I really need axis bank card as it is having good benefits . I also received a axis credit card against fd in past and you can see i have paid all its dues on times without late.

If you guys can't provide axis card then simply mention here that "don't apply for credit card, we will not give it you" . Trust me i will never apply for card and will close my all relationships with axis bank.

I know axis bank is great bank but because of some unprofessional credit managers, my card is keep getting rejected. Please transfer my case to different credit manager or tell me the reason so that i can improve that particular parameter and then apply for card

I realy dont what is parameter restricting me to take axis card from last 2-3 year. Simply discusting.

I have applied mANY TIMEs for axis bank credit card like 5-6 application in last 2-3 year and waisted my money for taking docs print out etc and also waisted my time as well because of bank executive visit.. who is responsible for these wastage?
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Comments

It was rejected 5-6 times in last 2-3 years but never gave rejection reason. Other bank never rejected applications why axis have issue. If axis have issue then they should tell the reason so that customer can improve that. I have axis bank account since 1 year still i am unable to get a single credit card from bank.

It is torturing mentally the customer.
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