Disapproval of the credit card ?

asked Oct 17, 2015 in Credit Card by Naveen

My Name is Naveen Kumar HD I have applied for credit card, I have received my application reference number, and also received verification calls to my number and physical verification at my company. Now the status of the credit card at the site is showing as "Disapproved" with remarks as follows:- DISAPPROVAL OF THE CREDIT CARD APPLICATION DOES NOT REFLECT IN ANYWAY ON YOUR CREDIT STANDING OR YOUR FINANCIAL STABILI please tell me where exactly my application got disapproved & what is next process. Please let me know where exactly my application got disapproved.I am getting 16050 salary. Thanks & regards Naveen Kumar HD

1 Answer

answered Oct 26, 2015 by Pradipta

Hi Naveen,

Please follow the below steps :-

1.    Go to your Bank’s website and search for grievance redressal (or similar name) button and submit your complaint online furnishing the details.

2.    If you do not receive any reply / satisfactory reply within 10 days, lodge your complaint with the Nodal officer of the Bank (either through email or letter)

3.    If you do not receive any reply / satisfactory reply within 10 days from the Nodal officer, lodge your complaint with the Principal Nodal officer of the Bank (either through email or letter)

4.     If you are still not satisfied with the reply / do not receive reply from the Principal Nodal officer within 10 days, lodge your complaint with the Banking Ombudsman (either through letter or email)