I applied for an IDFC credit card two months ago after being strongly pushed by a representative. Since then, I’ve gone through an extremely frustrating and disorganized process—multiple verification visits to both my home and business, at least four times initially, without any clear update on whether my application was approved or rejected.
After two months of complete silence, I received another call from a different representative who asked me to share my details again, claiming that no further verification would be required. However, not only did the process repeat, but this time the representative didn’t even take my details properly. I was only asked for my business address, yet the process suddenly shifted to residential verification without any clarity or communication.
Despite this, I was again subjected to multiple verification visits at both my residence and workplace. Now, after all this, I’ve received an email stating that my residential address could not be verified.
This is completely unacceptable. How is it possible for multiple representatives to physically visit my address numerous times, yet claim they couldn’t verify it?
This entire experience reflects a serious lack of coordination, accountability, and professionalism. It also raises a fundamental question—why aggressively push customers to apply for credit when the internal process is so poorly managed and inconsistent?