[Resolved] Citibank Credit Cards — APPLICATION REJECTED | |||
Dear Sir/Madam, I have applied for citibank credit card through citibank executive two months ago,at the time of documentation, i have handed over all my confidential documents to citibank executive two times & i was informed that my document verification has done successfully & will proceed for physical verification. but i recieved this rejection mail from citibank, at same time i called citibank customer care & asked them the exact cause of rejection of my application, their reply is just a illogical & doesnt have any strong basis to reject. For your kind information i am the regular user of other bank credit cards, i never faced any problem regarding any civil or any other policies. Dear Sir, This problem i am facing second time, i need your help in this regard. Every four day interval of time in a week, citibank executives are calling & asking me about the credit card intrests, are you intrested in citibank credit cards..??? I/We are contineously being wasted our valuable time to attend these calls & submit the documents. I am really fade up with this bank executives, they are just calling to persons & collecting the documents & after that citibank just rejecting the applications by writing such smart mail to the applicant. My other friends also faced such problems regularly, So I/We are kindly requesting you to look into this matter & seek your help. Was this information helpful? | |||
Aug 13, 2020 Complaint marked as Resolved | |||
 5 Comments | |||
Comments
Dear Vishunkant,
I understand Credit card application got rejected. your application will get reject only due to CIBIL Report. We can guide you in rectify your CIBIL Report.
Please don't apply for any loan or credit card if you are confirm that your CIBIL Report Spoiled because if it gets rejected then this information will be updated in you CIBIL Report as remark & due to this your credit score will reduce.
Advisable for you to do Financial Health Check up.
If you have any more clarifications please feel free to contact me directly Marina:[protected] / [protected]
I understand Credit card application got rejected. your application will get reject only due to CIBIL Report. We can guide you in rectify your CIBIL Report.
Please don't apply for any loan or credit card if you are confirm that your CIBIL Report Spoiled because if it gets rejected then this information will be updated in you CIBIL Report as remark & due to this your credit score will reduce.
Advisable for you to do Financial Health Check up.
If you have any more clarifications please feel free to contact me directly Marina:[protected] / [protected]
Sir,
I have applied for citibank credit card last week with required documents and phone verification also over. salary wise i am purely eligible for credit card.but now i got the email from citi bank, that my application was rejected."We regret our inability to process your credit card application as it does
not fulfill our internal policy criteria". I got the information from customer support team that the application was rejected due to CIBIL report is negative. I was surprised to hear that as i have never used any credit card / borrowed a loan / any liability in the past.
for my clarification i applied for CIBIL report also by paying rs.470. it will take 7 business days to deliver.what could be the reason for the rejection.
My only guess is i am having IOB saving account, that was locked 2 times due to non usage of the account more than 6 months.
Is may be the reason for CIBIL negative report?
please advice.
I have applied for citibank credit card last week with required documents and phone verification also over. salary wise i am purely eligible for credit card.but now i got the email from citi bank, that my application was rejected."We regret our inability to process your credit card application as it does
not fulfill our internal policy criteria". I got the information from customer support team that the application was rejected due to CIBIL report is negative. I was surprised to hear that as i have never used any credit card / borrowed a loan / any liability in the past.
for my clarification i applied for CIBIL report also by paying rs.470. it will take 7 business days to deliver.what could be the reason for the rejection.
My only guess is i am having IOB saving account, that was locked 2 times due to non usage of the account more than 6 months.
Is may be the reason for CIBIL negative report?
please advice.
Dear Mswami,
As per your concern since if don't have any loan, credit card, etc...your cibil score will be shows as "NH"(NO History). Which means that you don't have any credit history or you are new to the Credit System. Bank will not issue an unsecured credit card if you don't have credit history. You can apply for secured Instant credit card against fixed deposit from SBI, AXIS, ICICI and use the card for an year to generate the credit score. make payments ontime so that you will get cibil score 750+. then you can apply for an credit card.
As per your concern since if don't have any loan, credit card, etc...your cibil score will be shows as "NH"(NO History). Which means that you don't have any credit history or you are new to the Credit System. Bank will not issue an unsecured credit card if you don't have credit history. You can apply for secured Instant credit card against fixed deposit from SBI, AXIS, ICICI and use the card for an year to generate the credit score. make payments ontime so that you will get cibil score 750+. then you can apply for an credit card.
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Citibank — Credit Card Reject
HiI have applied for a Citibank credit card and they have rejected my application.Is there a procedure to know why the application was rejected?
Thanks
Vishal Pandey
Reference number :[protected]