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24 minutes ago, kittoo said:

My Axis ace application was declined. Just got the msg. Surprised. Last I checked my CIBIL was close to 800  have never defaulted on a CC (or anything in last 5 years. The one loan where I didn't pay EMI for a couple of months is now closed after being paid in full, and that was in 2015!). Have pretty good income (between 20-50L), only have 2 cards (with total 8L limit).

I am banker and know I should be the top candidate for a card to be given. I get 5 calls everyday from different banks that I have been pre-approved for a card.

And I was also told i was pre-approved by axis too! Wonder how this works. Would really like to know why I was rejected.

You have too much money, they probably feel they can't make a dime off you:P

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26 minutes ago, kittoo said:

My Axis ace application was declined. Just got the msg. Surprised. Last I checked my CIBIL was close to 800  have never defaulted on a CC (or anything in last 5 years. The one loan where I didn't pay EMI for a couple of months is now closed after being paid in full, and that was in 2015!). Have pretty good income (between 20-50L), only have 2 cards (with total 8L limit).

I am banker and know I should be the top candidate for a card to be given. I get 5 calls everyday from different banks that I have been pre-approved for a card.

And I was also told i was pre-approved by axis too! Wonder how this works. Would really like to know why I was rejected.

 

20-50L is a huge range! So much pay variation? :blink:

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27 minutes ago, kittoo said:

My Axis ace application was declined. Just got the msg. Surprised. Last I checked my CIBIL was close to 800  have never defaulted on a CC (or anything in last 5 years. The one loan where I didn't pay EMI for a couple of months is now closed after being paid in full, and that was in 2015!). Have pretty good income (between 20-50L), only have 2 cards (with total 8L limit).

I am banker and know I should be the top candidate for a card to be given. I get 5 calls everyday from different banks that I have been pre-approved for a card.

And I was also told i was pre-approved by axis too! Wonder how this works. Would really like to know why I was rejected.

Probably because you are banker? Knows all the inside traps so no way to make a dime off you ?

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7 minutes ago, l33tmaniac said:

 

20-50L is a huge range! So much pay variation? :blink:

I am not surprised. Banking/Finance packages have a huge variable component, especially as you progress to higher ranks.

For example (now this is an uber niche example): A company called Graviton offers 25L (fixed) + 10L (guaranteed) + 25L (variable)

Edited by kunjanp
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35 minutes ago, Bluebolt05 said:

Had a chat with someone in risk function of a bank long back. Any sort of excessive delay/writeoff/settlement/suit etc. within 5 years can be automatically declined. Didn't you just recently apply?

 

Yeah applied recently. Never had a write-off, though did have 2 months delay in 2015 (was working on my startup then. No money). Anyway that loan was paid in full pretty soon after.

I myself was in credit cards risk department at a big bank, and we didn't look at delay past 1 year (unless NPA). I guess Axis mightve different policy.

 

30 minutes ago, Jigsaw said:

 

Form 16 or it never happened :rolleyes:

 

 

 

 

LOL. I wish IT waale bhi never happened bole tax lena band karde :p

 

21 minutes ago, playstationdude said:

You have too much money, they probably feel they can't make a dime off you:P

 

There is nothing called too much money. Ask my wife :p She keeps cribbing for a flat and I don't have the dough.

 

18 minutes ago, l33tmaniac said:

 

20-50L is a huge range! So much pay variation? :blink:

 

No i barely meant its somewhere in between. Exact number nahi likhna tha. Because its causing confusion, its exactly in between ?

 

17 minutes ago, kunjanp said:

Probably because you are banker? Knows all the inside traps so no way to make a dime off you ?

 

Haha. Although it's true I always pay on time so not much money to be made from me :p

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6 minutes ago, hussain said:

The telgram bot just said that flipkart had stock, it doesn't. Probably a false positive.

I checked the logs. There was indeed stock available, but probably only 1 (cancelled order or something?) and so it went out of stock immediately. 

Like my bot, there must be scalpers running bots which don't just monitor but also order :D

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I checked the logs. There was indeed stock available, but probably only 1 (cancelled order or something?) and so it went out of stock immediately. 
Like my bot, there must be scalpers running bots which don't just monitor but also order [emoji3]
There was one more few minutes back

Sent from my SM-N960F using Tapatalk

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22 minutes ago, sobbii said:

There was one more few minutes back

Sent from my SM-N960F using Tapatalk
 

This one was a false positive. FK is changing their site intermittently which is causing bot to think it's in stock. Added a change which should hopefully work better.

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Seeing the f**kery by Amazon and FK over console games and accessories, everyone getting PS5`s from Amazon and FK should record a video of Unboxing it. You never know what you received. Better to record it and have proof incase anything goes wrong. Maybe sticky it till Feb5th. 

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